Top 10 Best U S Cities for First Time Homebuyers in 2025

The 2025 Top 10 Cities for First-Time Homebuyers report by Neighbors Bank highlights the best U.S. metros for affordability, access to financing, and overall quality of life. Oklahoma City, Huntington (WV), and Lubbock (TX) lead the list for offering first-time buyers a strong combination of affordable housing, low monthly payments, and available down payment assistance programs.
These cities offer a range of benefits, including low housing costs relative to median incomes, high availability of government-backed loan programs (FHA, VA, USDA), and lower property taxes. Notable cities include:
Oklahoma City, OK: Affordable homes with monthly payments at 28% of median income, supported by FHA and VA loan activity.

Huntington-Ashland, WV-KY-OH: The lowest home prices and housing costs at 22% of median income, with high use of government loan programs.

Lubbock, TX: A no-state-income-tax area with high FHA loan usage and affordable housing costs at 27% of median income.

Baton Rouge, LA: Below 30% of income spent on housing with access to FHA and USDA loan programs.

Pittsburgh, PA: Affordable homes at 25% of median income, along with low-income taxes.

The cities stand out due to their affordability, favorable property taxes, and the availability of government-backed loans like FHA, VA, USDA, and others designed to make homeownership more accessible for first-time buyers. These locations provide various opportunities for those looking to enter the housing market without needing a large down payment.
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