Second-most-affordable U.S. city: Atlanta

"Atlanta's got everything going for it," says Sante, whose website found that a median income there provides 40% more than you need to qualify for the mortgage on a typical home.

Georgia's state capital boasts an above-average median household income ($52,639), but below-average median home prices ($103,200), property taxes ($1,891) and homeowners insurance premiums ($787).

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