1. Augusta, Georgia
Augusta brings affordability to life, especially with its under-$100 K listings—sometimes numbering in the dozens. That makes it a compelling southern option for anyone penny-conscious. Home of the Masters golf tournament, it mixes big events with small-town ease. Plenty of Southern charm, plus a price tag that makes you smile.
This inclusion hinges on its status among Georgia cities with the most cheap home listings. That volume gives serious buyers plenty to sift through. Don’t forget to check platforms like Zillow or Realtor for current numbers under $100 K. If you’re after affordability with character, Augusta fits the bill.
2. Toledo, Ohio
Toledo boasts a whopping chunk of its housing—nearly half—listed under $100 K. That kind of affordability in an established city is rare and noteworthy. It’s perfect for someone craving a small-to-mid-sized city without breaking the bank. Bonus: the cost of living across the board tends to run lower, which sweetens the deal.
I included Toledo because it blends affordability with civic amenities—think parks, local breweries, and some interesting neighborhoods. If you’re curious, you can look up how many listings currently sit under $100 K to confirm. The feel of this place is down-to-earth charm with industrial history baked in. It may just surprise you.
3. Cleveland, Ohio
Cleveland rounds out the list with well over a third of its homes priced below the $100 K mark. It’s another Rust Belt city where your dollar really stretches. Throw in a strong cultural backbone—museums, orchestras, and food—you’re getting way more than a cheap dollar. Worth a serious look if you’re hunting bargains in the Northeast Ohio corridor.
This entry is included because of both its affordability and its unique Midwestern vibe. It’s the kind of city where old-school homes come with character—and a low price tag. Do check current listing platforms to see what’s live right now under $100 K. Nostalgia, lakeside views, and bargain-hunting converge here.
4. Birmingham, Alabama
You can find hundreds of listings under $100 K in Birmingham, making it a standout for home-buying budgets. The housing market here isn’t just affordable—it’s alive with options that range from fixer-uppers to move-in ready. This city blends Southern hospitality with revitalising urban energy. It’s a hidden gem for budget-conscious buyers exploring the South.
The reason Birmingham earns a spot is its large volume of listings in the price bracket. That gives buyers flexibility—whether you’re into craftsman-style homes or cozy ranches. Check real estate platforms for the exact count of sub-$100 K listings these days. It’s both pragmatic and full of charm.
5. Little Rock, Arkansas
Little Rock delivers affordability with a dash of riverfront appeal. With dozens—or more—of homes trailing under $100 K, buyers get both pricing perks and a capital-city vibe. There’s history here, outdoor trails, and the Arkansas River winding by—making it more than a cheap address. That mix of low cost and liveability earned it a place.
I included Little Rock as it sits in one of the cheapest states for housing overall. Its listings under $100 K often come with surprising quirks—spacious plots or character finishes. Always a smart move to verify via current listings to ensure prices haven’t crept up. But today, it remains a standout in affordability.
6. Detroit, Michigan
Detroit often makes headlines for affordable real estate—and for good reason. At present, more than half of its active home listings dip below the $100 K mark. If you’re intrigued by urban grit blended with rebirth, this city offers ample potential. It’s a spot where the housing market can surprise you with possibilities.
This inclusion is driven by its exceptionally high share of inexpensive active listings. That means lots of choice for buyers on a shoestring. Plus, Detroit’s evolving arts and community scenes add cultural heft to that bargain. Keep in mind: fact-check current listing data to verify these low prices.
7. Springfield, Illinois
Springfield stands out with dozens of homes under $100 K, making it easier to find good value in the Midwest. It’s the land of Lincoln, and the housing prices reflect a slower, steadier market. There’s history, small-city calm, and affordable living all wrapped up in one. That’s why Springfield slips onto our list.
I picked Springfield because its volume of cheap homes is consistently high for a state capital. That brings choice—whether fixer-upper or fully functional—into reach. You’ll still want to verify via live listings in Illinois to see current availability. But Springfield remains a strong affordable contender.
8. Evansville, Indiana
Evansville routinely shows up with well over a hundred listings under $100 K. And with its modest population and riverside location, it blends affordability and community nicely. Think historic neighborhoods, occasional bargains, and Midwestern warmth. That makes Evansville an appealing prospect for penny-wise buyers.
This town appears due to its high listing count in the under-$100 K housing bracket. That kind of supply doesn’t happen without being worth noting. Always wise to check up-to-date numbers yourself to stay accurate. But for now, Evansville delivers bang for your buck.
9. Wichita, Kansas
Wichita is known for its steady housing market—and yet it still has dozens of homes under $100 K. In a Sunflower State city, that means you get big-city basics at a tiny price. Aviation history, arts districts, and wide-open Kansas landscapes add flavor. That’s why Wichita makes our round-up.
I’ve featured Wichita because its sub-$100 K inventory stands out for a metro of its size. That gives hopeful homeowners real choices. As always, double-check via current listings before making decisions. Still, Wichita consistently makes this shortlist for affordability.
10. Jackson, Mississippi
Jackson brings deep Southern roots and surprisingly accessible home prices—hundreds of listings under $100 K. If you’ve ever considered living where history meets affordability, this city delivers. From blues heritage to nearby nature, there’s richness beyond the price tag. That mix of culture and cost makes Jackson compelling.
Its inclusion is based on listing volume plus the added cultural density. Buyers here can tap into museums, music, river scenery—all without breaking the bank. Always fact-check DEEP listings now to ensure accuracy. But as of today, Jackson remains on the value map.
11. Youngstown, Ohio
Youngstown is one of those places where the housing market can still feel like a time warp—in a good way. It’s a small city with a proud industrial history, and you can regularly find homes listed under $100 K. The downtown has been slowly revitalizing, and you’re never far from green spaces in this part of Ohio. If affordability plus potential growth sound good, Youngstown deserves a look.
This city makes the list because it consistently ranks among the cheapest housing markets in the country. With a large share of sub-$100 K homes, it gives buyers a chance to enter the market without crushing debt. You can fact-check easily by searching listings right now. For those chasing value with a Rust Belt edge, Youngstown fits the bill.
12. Tupelo, Mississippi
Tupelo shows up near the top of the most affordable small towns lists, with housing costs far below national averages. You’ll find homes under $100 K alongside a strong sense of history—being Elvis’s birthplace helps. Affordable living, lower taxes, and regional charm pair well here. That makes Tupelo a solid inclusion for budget-minded buyers.
This town is included thanks to cost-of-living research showing it well below average, especially in housing. That gives buyers not only value but potential for quality lifestyle. You can verify through cost-of-living data or listing platforms now. But right now, Tupelo shines as budget-friendly.
13. Muskogee, Oklahoma
Muskogee often ranks among most affordable small cities, especially for housing and healthcare. It’s the kind of town where listings under $100 K are part of the normal landscape. Plus, there’s history, music, and riverside views—enough to make you pause and take note. That’s why Muskogee lands on this list.
This pick is rooted in its ranking for low housing costs in recent small-town surveys. That means listings that meet your budget do exist here in volume. Verifying with updated data will solidify it—but for now, Muskogee stands tall. Affordable, offbeat, and just a touch of whimsy.
14. Hutchinson, Kansas
Hutchinson is another small Kansas city where housing costs can be drastically lower—sometimes 70 % below national norms. That lends itself to under-$100 K homes quite naturally. Think salt mines, festivals, and a down-to-earth atmosphere to complement the low-cost homes. That balance earns Hutchinson its spot.
I included Hutchinson because current cost-of-living indexes show it as one of America’s cheapest small towns, especially on housing. That suggests a real chance to score a bargain property. Make sure to check live listings to confirm what’s currently available under $100 K. But this remains a standout for affordability and small-town living.
This post 14 Small Towns Where You Can Still Buy a House for Under $100k (for Now) was first published on American Charm.
