H
ome ownership feels increasingly out of reach in the United States, as mortgage expenses now eclipse the median household income. Yet a handful of regions still combine high quality of life with reasonable real‑estate costs. GOBankingRates surveyed 30 “hidden gem” markets, pulling data from AreaVibes, the Bureau of Labor Statistics, the Federal Reserve, and other sources to pinpoint the best mix of affordability and livability.

    Lynchburg, Virginia tops the list. The mid‑size city, nestled in the Blue Ridge foothills, scores 91 on livability and earns A grades for schools, amenities, and safety. Its median home price is $264,559—well below Virginia’s $417,032 average.

    North Tonawanda, New York ranks second. Located in the Buffalo‑Niagara Falls metro area, it hosts about 31,000 residents and enjoys a crime rate 46 % lower than the state norm. Homes average $275,977, compared with the state’s $489,352.

    The remaining top five include Wasau, Wisconsin; Blythe, California; and Aberdeen, Washington. Other upstate New York towns such as Glen Falls (#13), Gloversville (#16), and Utica (#24) also appear on the list.