What Does a $200K House Look Like In 2025? Listings Across the U.S.

Prices keep rising, but bargains haven’t disappeared

Thirteen years ago, the U.S. median home sale price was $190,000, and a household needed $35,600 in annual income to afford it. Today, the picture looks very different.

Housing affordability has since fallen to record lows after two years of price growth, with the typical home selling for $440,000 in August. Even with mortgage rates dropping, buyers still need to earn over $112,000 annually to afford a median-priced home – roughly $25,000 more than the typical household income and three times what they needed in 2012. The result? Slower sales, fewer listings, and hardly any buyer activity.

Still, affordable options haven’t disappeared. In parts of the Midwest, South, and Northeast, many homes go for less than $200,000, with some dipping into the low-$100,000s. And across the country, there are affordable gems waiting to be discovered – even in the most expensive markets.

Let’s explore what you can buy for less than $200,000 in ten cities across the U.S. We’ll highlight three listings per city to give an overview of what that price point looks like. 

>> Read: The Most Affordable Cities in the U.S. in 2025 

How much income do you need to afford a $200k house?

As of September 2025, buyers need to earn about $50,000 to comfortably afford a $200,000 house. This assumes a 20% down payment on a median-priced home ($444,000), a 6.4% mortgage rate, and typical tax and insurance costs.

You can calculate your specific monthly housing costs using Redfin’s Mortgage Calculator. 

It’s worth noting that many buyers shopping in the $200,000 range may earn less than their city’s median income, so even if a market appears affordable on paper, it may not be affordable to populations who need it.

What do 200K houses look like across America?

1. Detroit, MI

Median sale price: $220,000 | Median household income: $39,209

Detroit is the most affordable major city in the nation, with almost half of homes sitting near the $200,000 mark. Prices are low in this Rust Belt mecca for a variety of factors, but the primary ones are population loss, economic disinvestment, and an aging housing stock. However, the city has seen a strong revitalization effort in recent years, attracting new businesses and residents.

Here are a few examples of homes that go for $200,000 or less.

• 8229 Carlin St, Detroit, MI 48228: $200,000 | 4 bed, 1.5 bath, 1,973 sq ft
• 23424 Clarita St, Detroit, MI 48219: $145,000 | 4 bed, 1.5 bath, 1,495 sq ft
• 14985 Tacoma St, Detroit, MI 482057: $75,000 | 3 bed, 2 bath, 2,000 sq ft

2. Los Angeles, CA

Median sale price: $909,000 | Median household income: $82,263

As one of the most expensive cities in America, it might surprise you that Los Angeles still has housing options around $200,000. Generally, homes in Southern California go for well over $1 million, with people battling to live among the cultural icon’s sprawling, glitzy streets – especially in luxury enclaves like Beverly Hills and Hollywood. That said, prices are beginning to return to a more “normal” state, although they’re certainly not affordable. 

For those looking to buy a home in LA on a $200K budget, you’ll have to settle for very small condos or living on the city’s edges. Here are some examples.

• 617 Cedar Ave #11, Long Beach, CA 90802: $200,000 | 0 bed, 1 bath, 392 sq ft
• 13050 Dronfield Ave #7, Sylmar, CA 91342: $195,000 | 1 bed, 1 bath, 595 sq ft
• 18645 Hatteras St #187, Tarzana, CA 91356: $182,000 | 1 bed, 1 bath, 472 sq ft

3. Cleveland, OH

Median sale price: $255,000 | Median household income: $43,383

A former industrial icon quickly turning lively tech hub, Cleveland hits a sweet spot between old and new – keeping its affordability while investing in new infrastructure and amenities. Many homes remain affordable, though some areas still struggle with disinvestment and aging housing stock. Housing investors have also started buying up lower-priced options, which is putting a strain on supply and upward pressure on prices.

Here is a sampling of what $200,000 can buy you in Cleveland.

• 6014 Laverne Ave, Cleveland, OH 44129: $199,900 | 3 bed, 2 bath, 1,220 sq ft
• 10009 Parmelee Ave, Cleveland, OH 44108: $144,900 | 4 bed, 2 bath, 1,358 sq ft
• 7710 Goodman Ave, Cleveland, OH 44105: $84,999 | 3 bed, 1 bath, 1,085 sq ft

4. Seattle, WA

Median sale price: $840,000 | Median household income: $118,745

Greenery abounds in the Emerald City, but affordable housing is increasingly rare. Home prices in Seattle have surged 169% in the past 13 years – 37% more than the national rate – driven by a tech boom, investor activity, and acute housing shortage. In fact, they have increased so much that over one-third of all homes are now worth at least $1 million. 

Despite slowing demand, prices remain high. Buyers can still find smaller condos and studios under $200,000, though.

• 138 SW 116th St Unit G15, Seattle, WA 98146: $199,999 | 1 bed, 1 bath, 774 sq ft
• 110 SW 116th St, Seattle, WA 98146: $185,000 | 1 bed, 1 bath, 672 sq ft
• 19428 Aurora Ave N #332, Shoreline, WA 98133: $185,000 | 1 bed, 1 bath, 605 sq ft

5. Pittsburgh, PA

Median sale price: $267,000 | Median household income: $66,954

A city built on steel and industry, Pittsburgh has started transitioning into a modern hub of technology and growth. House prices are rising but still low, and incomes have grown enough that the typical resident can afford a home. In fact, buying is cheaper than renting in Steel City – the only major metro in the nation where this is still true. 

Plenty of listings go for $200,000 or less. Here is a sampling.

• 131 Friday Rd, Pittsburgh, PA 15209: $200,000 | 3 bed, 2 bath, 990 sq ft
• 11505 Clematis Blvd, Pittsburgh, PA 15235: $199,000 | 3 bed, 2 bath, 1,552 sq ft
• 19 Mackey St, Pittsburgh, PA 15213: $150,000 | 3 bed, 1.5 bath, 1,056 sq ft 

6. New York, NY

Median sale price: $800,000 | Median household income: $81,228

New York is not an affordable city. Roughly three million households spend more than a third of their income on housing, with 20% spending more than half every month. Even rent-stabilized units, which make up half of the city’s rental stock, are out of reach for many residents. The situation doesn’t improve for buyers, either, as limited supply continues to drive up costs. 

However, if you are willing to sacrifice size and amenities, there are still options under $200,000.

• 63-61 99th St Unit A4, Rego Park, NY 11374: $200,000 | 0 bed, 1 bath, 550 sq ft
• 83-60 118 St Unit 11H, Kew Gardens, NY 11415: $200,000 | 0 bed, 1 bath, 595 sq ft
• 34-43 60 St Unit 2B, Queens, NY 11377: $200,000 | 0 bed, 1 bath, 450 sq ft

7. Oklahoma City, OK

Median sale price: $275,000 | Median household income: $70,040

Oklahoma City is a basketball haven known for its Midwestern charm, climate, and prices. The typical house goes for nearly half the national average, with many falling into the $100K range. Even so, not all locals can afford a $200,000 home. According to a recent study, the city actually has the widest “middle-class” income range in the nation; the lowest earners fall well below the $50,000 needed to comfortably afford a $200,000 home. 

Here’s what $200,000 and under can buy you in Oklahoma City.

• 5021 Union Cir, Oklahoma City, OK 73135: $200,000 | 3 bed, 2 bath, 1,773 sq ft
• 2904 Rosewood Ln, Oklahoma City, OK 73120: $155,000 | 2 bed, 2 bath, 1,817 sq ft
• 2221 N Jordan Ave, Oklahoma City, OK 73111: $139,900 | 2 bed, 1 bath, 1,208 sq ft

8. Miami, FL

Median sale price: $557,000 | Median household income: $66,337

Miami is among the most popular cities for high earners. In fact, nearby Fisher Island recently became the nation’s most expensive ZIP code – boosting property values as the city deals with declining housing supply. Locals struggle to make due; just 10% of homes are affordable for median earners, with rentals similarly out of reach. That’s not to say there aren’t deals, though. 

Here is what $200,000 can buy in Miami:

• 7256 SW 94th Pl Unit A1, Miami, FL 33173: $200,000 | 1 bed, 1 bath 594 sq ft
• 8415 SW 107th Ave Unit 270W, Miami, FL 33173: $200,000 | 2 bed, 2 bath, 985 sq ft
• 1215 SW 32nd Ave Unit 108A, Miami, FL 33135: $200,000 | 2 bed, 1 bath, 755 sq ft

9. Houston, TX

Median sale price: $337,000 | Median household income: $64,361

Like many Sun Belt cities, Houston’s housing market has cooled in the past couple of years as climate risks and years of record gains pushed some buyers out. Now, prices are down, listings are up, and buyers are in charge. In addition, a Redfin analysis in July found that 7% of Houston listings could sell for a loss – the fifth-highest share in the nation.

The typical Houston income can comfortably afford a $200,000 house. Here’s what they look like.

• 2507 11th St, Galena Park, TX 77547: $200,000 | 3 bed, 2 bath, 1,043 sq ft
• 4543 Lelay Cir, Houston, TX 77022: $155,000 | 2 bed, 1 bath, 872 sq ft
• 7819 Leonora St, Houston, TX 77061: $85,000 | 2 bed, 1.5 bath, 1,122 sq ft

10. Washington, D.C.

Median sale price: $590,000 | Median household income: $106,287

The nation’s capital has a lot to offer, including walkable streets, plenty of green space, and world-class landmarks. However, it remains among the least affordable cities in the country. Renters are especially cost-burdened, even though renting is now more affordable than buying, on average.

For Washington, D.C. buyers on a $200,000 budget, here’s what you can expect to find.

• 300 M St SW Unit N111, Washington, DC 20024: $200,000 | 1 bed, 1 bath, 521 sq ft
• 4810 Quarles St NE #201, Washington, DC 20019: $199,999 | 2 bed, 1 bath, 704 sq ft
• 824 18th St NE #003, Washington, DC 20002: $199,990 | 1 bed, 1 bath, 485 sq ft

Methodology

Listings were active on Redfin as of October 3, 2025 except for one sold listing (617 Cedar Ave #11) included in Los Angeles. Listings excluded income-restricted homes. Housing data is from Redfin as of August 2025. Median income data comes from the U.S. Census Bureau 2024 ACS 1-year estimates.

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