{"id":7079914,"date":"2026-10-08T09:41:25","date_gmt":"2026-10-08T09:41:25","guid":{"rendered":"https:\/\/fivemor.com\/?p=7079914"},"modified":"2026-10-08T09:41:25","modified_gmt":"2026-10-08T09:41:25","slug":"affordable-starter-homes-are-still-a-reality-in-these-cities","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7079914","title":{"rendered":"Affordable Starter Homes Are Still a Reality in These Cities"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">While <a target=\"_blank\" id=\"https:\/\/www.realtor.com\/advice\/buy\/what-is-a-starter-home-the-small-affordable-houses-that-arent-being-built-anymore\/\" type=\"link\" href=\"https:\/\/www.realtor.com\/advice\/buy\/what-is-a-starter-home-the-small-affordable-houses-that-arent-being-built-anymore\/\">starter homes<\/a> are increasingly hard to come by nationally, a handful of affordable markets\u2014 overwhelmingly <a target=\"_blank\" id=\"https:\/\/www.realtor.com\/news\/trends\/midwest-best-places-to-own-spring-2026-housing-market-ranking\/\" type=\"link\" href=\"https:\/\/www.realtor.com\/news\/trends\/midwest-best-places-to-own-spring-2026-housing-market-ranking\/\">concentrated in the Midwest<\/a>\u2014offer first-time buyers a healthy and diverse selection of entry-level properties.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">So what exactly is considered a starter home? <a target=\"_blank\" id=\"realtor.com\" type=\"link\" href=\"http:\/\/realtor.com\">Realtor.com\u00ae<\/a> economists define this type of real estate as a dwelling listed at or below 80% of its metro&#8217;s median list price for a specific time period.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">The <a target=\"_blank\" id=\"https:\/\/www.realtor.com\/news\/trends\/starter-homes-first-time-buyers-affordability-july-2026-report\/\" type=\"link\" href=\"https:\/\/www.realtor.com\/news\/trends\/starter-homes-first-time-buyers-affordability-july-2026-report\/\">typical starter home<\/a> is relatively small and modest in features, representing the first rung on the property ladder that offers budget-conscious first-time buyers an entry point into homeownership.<\/p>\n<p><iframe height=\"230px\" style=\"width:100%;border:0\" src=\"https:\/\/www.realtor.com\/creative\/rdc-ads\/local-listings-widget\/\" loading=\"lazy\" title=\"Embedded widget\"><\/iframe><\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">At the national level, the share of starter homes has shrunk from 38.1% to 36.2% of active inventory over the past seven years, even as the median price surged from $260,000 to $340,000, according to a new <a target=\"_blank\" id=\"https:\/\/www.realtor.com\/research\/starter-home-metros-october-2026\" type=\"link\" href=\"https:\/\/www.realtor.com\/research\/starter-home-metros-october-2026\">Realtor.com report<\/a>.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">In other words, there are roughly 21,000 fewer starter homes available now than there were in 2019, and they are more than 30% more expensive than before. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">To identify local starter-home trends, Realtor.com researchers analyzed listing data across the 8,300 ZIP codes\u00a0in the 100 largest U.S. metros, revealing where shoppers can still find entry-level properties in well-balanced neighborhoods.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Across the U.S., 3 out of 5 ZIP codes are mixed, offering a blend of homes priced below the market median sitting alongside more expensive listings fit for trade-up buyers. Meanwhile, more than 18% of the neighborhoods in the 100 largest metros are starter-home-dominant.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">In 81 of those 100 metros, neighborhoods offering both no-frills starter homes and more upscale options make up the majority of the market. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;The takeaway here is that most starter-priced homes aren\u2019t found in a clearly \u2018starter\u2019 ZIP code, but sit in mixed or even trade-up-leaning areas,&#8221; says <a target=\"_blank\" id=\"https:\/\/www.realtor.com\/research\/author\/hjones\/\" type=\"link\" href=\"https:\/\/www.realtor.com\/research\/author\/hjones\/\">Realtor.com senior economist<\/a><strong><a target=\"_blank\" id=\"https:\/\/www.realtor.com\/research\/author\/hjones\/\" type=\"link\" href=\"https:\/\/www.realtor.com\/research\/author\/hjones\/\"> Hannah Jones<\/a><\/strong>.<\/p>\n<h2 class=\"base__StyledType-rui__sc-18muj27-0 eAPYSB\">The Midwest advantage<\/h2>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Budget-friendly Midwest and Rust Belt metros stand out from the data set for having the nation&#8217;s highest overall shares of starter homes this year, with<a target=\"_blank\" id=\"https:\/\/www.realtor.com\/realestateandhomes-search\/Toledo_OH\" type=\"link\" href=\"https:\/\/www.realtor.com\/realestateandhomes-search\/Toledo_OH\"> Toledo, OH<\/a>, in the lead with 42.1% of the inventory, followed by <a target=\"_blank\" id=\"https:\/\/www.realtor.com\/realestateandhomes-search\/St.-Louis_MO\" type=\"link\" href=\"https:\/\/www.realtor.com\/realestateandhomes-search\/St.-Louis_MO\">St. Louis<\/a> (40.7%) and <a target=\"_blank\" id=\"https:\/\/www.realtor.com\/realestateandhomes-search\/Detroit_MI\" type=\"link\" href=\"https:\/\/www.realtor.com\/realestateandhomes-search\/Detroit_MI\">Detroit <\/a>(39.8%).<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;All three of these metros have seen below-average price growth since 2019 and have a large, resilient base of entry-level inventory,&#8221; say Jones. &#8220;Toledo boasted the highest share of starter homes in 2019 as well, but Detroit and St. Louis have both moved up in the rankings.&#8221;<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">However, a metro&#8217;s share of starter homes tells only part of the story. For buyers, it is equally important having listings within their budget spread across multiple neighborhoods with desirable characteristics, such as low crime rates, high-quality schools, and walkable streets. <\/p>\n<div class=\"Boxstyles__StyledBox-rui__sc-1p1qqov-0 cGIhfE sc-1d9c28t-0 dVWipe\">\n<figure><figcaption class=\"sc-1d9c28t-3 kUNXdc\"><span class=\"image-caption\">At $310,000, this century-old Craftsman bungalow in Kansas City, MO, is priced below the market&#8217;s starter-home threshold. <\/span><span class=\"sc-1d9c28t-2 nMMWW image-credit\">Realtor.com<\/span><\/figcaption><\/figure>\n<\/div>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Seeking the best combination of high starter-home shares and neighborhood variety, two markets rise above the fray: <a target=\"_blank\" href=\"https:\/\/www.realtor.com\/realestateandhomes-search\/Kansas\">Kansas<\/a> City and St. Louis. According to Jones, the duo have more entry-level homes than the national average, at 37.7% and 40.7%, respectively, along with an above-average selection of starter-dominant ZIP codes.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">In Kansas City, buyers have 39 neighborhoods to choose from, while in St. Louis there are 36.  <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;Kansas City is a unique market with outskirt areas still fairly close in with great prices,&#8221; <strong>Rosemary Rieke Male<\/strong>, a real estate agent at <a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/kansascityhomes.com\/\">Better Homes and Gardens Real Estate Kansas City Homes<\/a>, tells Realtor.com. &#8220;We have highways circling the whole metro to make it easy to get anywhere but still such a central U.S. location.&#8221;\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">The median price of a Kansas City starter home stood at $312,000 in August. According to Rieke Male, what that modest budget can realistically buy depends on the location. In Johnson County, that sum is enough for a two- to three-bedroom home, sometimes with a garage. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Within the city proper, a budget buyer&#8217;s best bet would be to look for one of the older, smaller bungalows dotting the city&#8217;s historic neighborhoods like Brookside Park and Waldo.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">However, heading north, shoppers can stretch their dollar a bit further.   <\/p>\n<p><iframe height=\"230px\" style=\"width:100%;border:0\" src=\"https:\/\/www.realtor.com\/creative\/rdc-ads\/search-listings-widget\/\" loading=\"lazy\" title=\"Embedded widget\"><\/iframe><\/p>\n<h2 class=\"base__StyledType-rui__sc-18muj27-0 eAPYSB\">Equity and growth in St. Louis<\/h2>\n<div class=\"Boxstyles__StyledBox-rui__sc-1p1qqov-0 cGIhfE sc-1d9c28t-0 dVWipe\">\n<figure><figcaption class=\"sc-1d9c28t-3 kUNXdc\"><span class=\"image-caption\">This renovated four-bedroom Victorian in St. Louis, MO, has an asking price of $230,000.<\/span><span class=\"sc-1d9c28t-2 nMMWW image-credit\">Realtor.com<\/span><\/figcaption><\/figure>\n<\/div>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">In St. Louis, across-the-board housing affordability is the metro&#8217;s distinguishing feature and greatest selling point. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;The really unique thing about St. Louis is that you\u2019re able to buy a starter home at a reasonable price and actually use the equity to upgrade your house over time,&#8221; <strong><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/urldefense.com\/v3\/__https:\/\/ajgraham.co\/__;!!F0Stn7g!F0Y2eP9xE9qUdt7f-kzK5A7oUjpPUacCBI-qXsg2c2vQkRS8vlIanPWRJQ6DgaWp2JUzOV51lTw1I_5HaLimEG-1FK6mnA%24\">AJ Graham<\/a><\/strong>, an agent at <a rel=\"noreferrer noopener\" target=\"_blank\" id=\"https:\/\/www.reecenichols.com\/realestate\/search\/city\/St_Louis\/MO\" type=\"link\" href=\"https:\/\/www.reecenichols.com\/realestate\/search\/city\/St_Louis\/MO\">ReeceNichols<\/a>, tells Realtor.com. &#8220;In some other parts of the country, and even parts of Kansas and <a target=\"_blank\" href=\"https:\/\/www.realtor.com\/realestateandhomes-search\/Missouri\">Missouri<\/a>, that\u2019s become difficult, especially coming out of COVID when people were paying way over asking.&#8221;<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">With a median asking price of $231,000 for the typical starter home, Graham says entry-level buyers can get a better-than-expected property. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;It may be mildly updated, have good bones, and be structurally sound,&#8221; he notes. &#8220;It can be a house where you\u2019re able to start raising a family.&#8221;<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">One of the city&#8217;s in-demand areas is the neighborhood of St. Louis Hills, which sits 10 miles from downtown.  <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;You have the local coffee shop, dining on the corner, local shopping, and just cool local things that enhance your overall quality of life,&#8221; says Graham. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">In St. Louis County, shoppers looking for desirable school districts should expect to spend more on a starter home, or compromise on size and finishes. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Looking ahead, St. Louis&#8217; starter-home inventory is poised to expand.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\"><strong>Ron Kitchens<\/strong>, managing partner of <a rel=\"noreferrer noopener\" target=\"_blank\" id=\"https:\/\/greaterstlinc.com\/\" type=\"link\" href=\"https:\/\/greaterstlinc.com\/\">Greater St. Louis<\/a>, a local economic-development organization, tells Realtor.com that new construction is planned on the north side of the city to replace homes lost to a tornado last year.<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">The city of St. Louis has already allocated $120 million toward recovery and neighborhood rebuilding.<\/p>\n<h2 class=\"base__StyledType-rui__sc-18muj27-0 eAPYSB\">Strategies for buyers <\/h2>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Two additional Midwestern hubs, Toledo and Akron, offer similar advantages to entry-level buyers, but on a smaller scale.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Both boast the highest starter-home shares in the U.S., at 42.1% and 39.3%, respectively, but have fewer starter-dominated ZIP codes.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;Buyers in these metros are likely to find ample affordable inventory, but the geographic spread is much tighter within the metro,&#8221; says Jones.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">Despite a national market that has grown increasingly more challenging for entry-level buyers, pockets of affordability remain, particularly in the Midwest, provided that shoppers have their priorities straight.\u00a0<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;One mistake is falling in love with the aesthetics instead of the actual house,&#8221; notes Graham. &#8220;Buyers want something modern, new, and fancy. They want the upgraded house where they don\u2019t have to do anything except back the moving truck in.&#8221;<\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">The problem with those homes, according to the agent, is that they are priced at the top of the market for the area and may not have as much room to grow from an equity standpoint. <\/p>\n<p class=\"base__StyledType-rui__sc-18muj27-0 IEPPf sc-7dicpk-0 ccZqsH core-paragraph\">&#8220;I really love when first-time buyers purchase what I call &#8216;grandma and grandpa\u2019s house,&#8217; where the structure is great, the mechanicals are fine, and everything has been well maintained,&#8221; he adds. &#8220;It might just be ugly to look at. That can give buyers an opportunity to make cosmetic improvements over time and add value.&#8221;<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>While starter homes are increasingly hard to come by nationally, a handful of affordable markets\u2014 overwhelmingly concentrated in the Midwest\u2014offer first-time buyers a healthy and diverse selection of entry-level properties. So what exactly is considered a starter home? Realtor.com\u00ae economists define this type of real estate as a dwelling listed at or below 80% of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7079915,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[174080,174081,204895,233821,240583,174088,190385,240584,240585,99386,101593],"tags":[15103,9389,174089,174090,13746,233826,13591,240586,174095,6970,174096,199230,2526,240587,1236],"dealstore":[],"offerexpiration":[],"class_list":["post-7079914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-daily-email","category-data-journalism","category-equity","category-fixer-upper","category-kansas-city-mo","category-push-notification","category-slot-01","category-st-louis","category-starter-home","category-trends","category-video","tag-affordable","tag-cities","tag-daily-email","tag-data-journalism","tag-equity","tag-fixer-upper","tag-homes","tag-kansas-city-mo","tag-push-notification","tag-reality","tag-slot-01","tag-st-louis","tag-starter","tag-starter-home","tag-video"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Affordable Starter Homes Are Still a Reality in These Cities - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=7079914\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Affordable Starter Homes Are Still a Reality in These Cities - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"While starter homes are increasingly hard to come by nationally, a handful of affordable markets\u2014 overwhelmingly concentrated in the Midwest\u2014offer first-time buyers a healthy and diverse selection of entry-level properties. 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