These 20 Cities — Including 9 with Median Home Prices Under $275,000 — Offer Young Homebuyers the Best Chance of Landing a Property, According to Point2 Housing affordability is near its lowest levels in four decades.

^{This article originally appeared on Business Insider.}

It's a rough market out there for younger homebuyers.

Housing affordability is near its lowest levels in four decades as mortgage rates and home prices have skyrocketed relative to incomes.

But according to Point2, an online real-estate marketplace, there are still areas where young buyers are finding deals.

In a recent report, the firm looked at the 100 largest metropolitan areas in the US and ranked them based on how friendly they are to buyers under 25. In building their ranking model, they considered factors like home price-to-income ratios, the local Gen Z unemployment rates, Gen Z homeownership rates, inventory, days on the market, and more.

"Student loans and the rising cost of living means that Gen Z inherited the affordability concern from millennials," the report said. "So, when we factor in multiple metrics that might influence the attainability of homeownership for young people — such as household income among adults younger than 25 years old, Gen Z homeownership rate, and unemployment rate among this cohort — some cities emerge as homebuying pockets for America's youngest."

Below, we've listed the top 20 cities on Point2's index, along with their composite scores, local home price-to-income ratios, and Gen Z unemployment rates. We've also added median home-price data from Redfin.

1. Fort Wayne, Indiana

^{Fort Wayne, Indiana Posnov/Getty Images via BI}

Point2's score for young home ownership chances (out of 100): 84.2

Median home price: $201,5000

Home price-to-income ratio: 4.8

Gen Z unemployment rate: 4.1%

Sources: Point2 and Redfin

2. Corpus Christi, Texas

^{Sean Pavone/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 80.55

Median home price: $270,000

Home price-to-income ratio: 4.5

Gen Z unemployment rate: 7.8%

Sources: Point2 and Redfin

3. Detroit, Michigan

^{Detroit, Michigan skyline. Sean Pavone/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 80.53

Median home price: $85,000

Home price-to-income ratio: 3.1

Gen Z unemployment rate: 11%

Sources: Point2 and Redfin

4. Laredo, Texas

^{Cathedral of San Agustin on the Plaza in Laredo, Texas. Danita Delimont/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 78.7

Median home price: $235,000

Home price-to-income ratio: 6.1

Gen Z unemployment rate: 7.9%

Sources: Point2 and Redfin

5. Memphis, Tennessee

^{Memphis, Tennessee. Connor D. Ryan/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 77

Median home price: $173,750

Home price-to-income ratio: 5.3

Gen Z unemployment rate: 8.1%

Sources: Point2 and Redfin

6. Lincoln, Nebraska

^{Lincoln, Nebraska. Jacob Boomsma/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 75.18

Median home price: $265,000

Home price-to-income ratio: 6.9

Gen Z unemployment rate: 4%

Sources: Point2 and Redfin

7. Durham, North Carolina

^{Sean Pavone/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 73.48

Median home price: $410,000

Home price-to-income ratio: 6.4

Gen Z unemployment rate: 1.5%

Sources: Point2 and Redfin

8. Fort Worth, Texas

^{Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 73.13

Median home price: $330,000

Home price-to-income ratio: 7.9

Gen Z unemployment rate: 6.1%

Sources: Point2 and Redfin

9. Aurora, Colorado

^{A woman kayaking on the Cherry Creek Reservoir in Aurora, Colorado. David C Stephens/Getty Images via BI}

Point2's score for young home ownership chances (out of 100): 72.78

Median home price: $460,000

Home price-to-income ratio: 8.3

Gen Z unemployment rate: 6%

Sources: Point2 and Redfin

10. Scottsdale, Arizona

^{Scottsdale, Arizona. Tim Roberts Photography/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 72.53

Median home price: $802,500

Home price-to-income ratio: 13.4

Gen Z unemployment rate: 3.5%

^{Sources: Point2 and Redfin Advertisement}

11. Indianapolis, Indiana

^{Getty Images vi BI}

Point2's score for young home ownership chances (out of 100): 72.28

Median home price: $230,500

Home price-to-income ratio: 5.9

Gen Z unemployment rate: 7.2%

Sources: Point2 and Redfin

12. Orlando, Florida

^{Sean Pavone/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 72.23

Median home price: $395,000

Home price-to-income ratio: 8.5

Gen Z unemployment rate: 3.6%

Sources: Point2 and Redfin

13. Mesa, Arizona

^{Tim Roberts Photography/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 71.98

Median home price: $452,500

Home price-to-income ratio: 9

Gen Z unemployment rate: 5%

Sources: Point2 and Redfin

14. Oklahoma City, Oklahoma

^{Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 71.45

Median home price: $256,990

Home price-to-income ratio: 7.5

Gen Z unemployment rate: 5.1%

Sources: Point2 and Redfin

15. Jacksonville, Florida

^{joe daniel price/Getty Images via BI}

Point2's score for young home ownership chances (out of 100): 71.35

Median home price: $310,000

Home price-to-income ratio: 6.8

Gen Z unemployment rate: 7.9%

Sources: Point2 and Redfin

16. San Antonio, Texas

^{Sean Pavone/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 70.75

Median home price: $269,000

Home price-to-income ratio: 7.1

Gen Z unemployment rate: 8.9%

Sources: Point2 and Redfin

17. Garland, Texas

^{City of Garland, Texas Government / Facebook via BI}

Point2's score for young home ownership chances (out of 100): 69.88

Median home price: $327,000

Home price-to-income ratio: 5.1

Gen Z unemployment rate: 9.5%

Sources: Point2 and Redfin

18. Gilbert

^{Gilbert, Arizona. halbergman/Getty Images via BI}

Point2's score for young home ownership chances (out of 100): 69.63

Median home price: $550,000

Home price-to-income ratio: 7.7

Gen Z unemployment rate: 1.6%

Sources: Point2 and Redfin

19. Denver, Colorado

^{Denver, Colorado. f11photo/Shutterstock via BI}

Point2's score for young home ownership chances (out of 100): 68.73

Median home price: $530,000

Home price-to-income ratio: 10.2

Gen Z unemployment rate: 1.5%

Sources: Point2 and Redfin

20. Colorado Springs, CO

^{Jacob Boomsma/Getty Images via BI}

Point2's score for young home ownership chances (out of 100): 67.73

Median home price: $435,000

Home price-to-income ratio: 10.1

Gen Z unemployment rate: 3.5%

Sources: Point2 and Redfin