Charming Homes Under $56K in This Cozy Community

The United States is filled with many beautiful communities, and it can be hard to decide which one is best for you and your family. If you're a fan of cozy communities with beautifully groomed yards, well-maintained sidewalks and streets, and what you imagine to be near picture-perfect suburbia, bedroom communities with charming homes probably come to mind.

Hefty price tags may also come to mind when picturing these charming homes, and these areas are often seen as out of reach. But this isn't always the case. Many picturesque places are not only affordable, but there's even one incredibly cute bedroom community where the median home price is less than $56,000.

To determine charming homes under $56k in this cozy community, Moms Who Think reviewed five-year data on median household value and median household income from the U.S. Census Bureau’s 2022 American Community Survey. Cities, towns, and Census-designated places were ranked based on the ratio of median home value to median household income.

Only places with at least 5,000 residents where at least 75% of workers 16 years and over commute outside the city for work that also lie within metropolitan statistical areas where the median home value is at least $300,000 were considered.

Additionally, we've added the rating from Niche.com for each community or surrounding area. This rating is based on factors such as public schools, cost of living, and diversity.

This post was updated in November 2025 to include new information about each affordable community.

50. El Mirage, AZ

Median home value: $246,800 (3.4 times income)
Median household income: $72,134
Total population: 35,652
Overall Niche grade: B-
Metropolitan area: Phoenix-Mesa-Chandler, AZ

49. Wedgefield, FL

Median home value: $367,000 (3.4 times income)
Median household income: $107,446
Total population: 8,277
Overall Niche grade: A
Metropolitan area: Orlando-Kissimmee-Sanford, FL

48. Myrtle Grove, NC

Median home value: $366,100 (3.4 times income)
Median household income: $108,363
Total population: 12,093
Overall Niche grade: A-
Metropolitan area: Wilmington, NC

47. Lockhart, FL

Median home value: $230,800 (3.4 times income)
Median household income: $68,658
Total population: 15,017
Overall Niche grade: B+
Metropolitan area: Orlando-Kissimmee-Sanford, FL

46. Whitmore Lake, MI

Median home value: $256,500 (3.3 times income)
Median household income: $76,653
Total population: 7,911
Overall Niche grade: B+
Metropolitan area: Ann Arbor, MI

45. Hollymead, VA

Median home value: $398,300 (3.3 times income)
Median household income: $119,079
Total population: 8,740
Overall Niche grade: A+
Metropolitan area: Charlottesville, VA

44. Murraysville, NC

Median home value: $254,700 (3.3 times income)
Median household income: $76,154
Total population: 16,672
Overall Niche grade: A-
Metropolitan area: Wilmington, NC

43. Town and Country, WA

Median home value: $283,700 (3.3 times income)
Median household income: $85,778
Total population: 5,243
Overall Niche grade: A+
Metropolitan area: Spokane-Spokane Valley, WA

42. Silver Lake, NC

Median home value: $247,400 (3.3 times income)
Median household income: $75,123
Total population: 5,858
Overall Niche grade: A-
Metropolitan area: Wilmington, NC

41. West Point, UT

Median home value: $376,100 (3.3 times income)
Median household income: $114,801
Total population: 11,226
Overall Niche grade: B
Metropolitan area: Ogden, UT

40. Burton, SC

Median home value: $189,200 (3.2 times income)
Median household income: $58,390
Total population: 7,603
Overall Niche grade: B
Metropolitan area: Hilton Head Island-Bluffton-Port Royal, SC

39. Finley, WA

Median home value: $265,400 (3.2 times income)
Median household income: $83,523
Total population: 5,848
Overall Niche grade: C+
Metropolitan area: Kennewick-Richland, WA

38. Cottonwood, CA

Median home value: $286,600 (3.2 times income)
Median household income: $90,231
Total population: 5,893
Overall Niche grade: B-
Metropolitan area: Redding, CA

37. Stansbury Park, UT

Median home value: $394,500 (3.2 times income)
Median household income: $124,551
Total population: 10,512
Overall Niche grade: B
Metropolitan area: Salt Lake City-Murray, UT

36. West Richland, WA

Median home value: $372,800 (3.2 times income)
Median household income: $118,093
Total population: 16,547
Overall Niche grade: A-
Metropolitan area: Kennewick-Richland, WA

35. Silver Lakes, CA

Median home value: $329,700 (3.1 times income)
Median household income: $105,993
Total population: 5,532
Overall Niche grade: B-
Metropolitan area: Riverside-San Bernardino-Ontario, CA

34. Union Park, FL

Median home value: $247,700 (3.1 times income)
Median household income: $79,970
Total population: 10,821
Overall Niche grade: B+
Metropolitan area: Orlando-Kissimmee-Sanford, FL

33. Sarasota Springs, FL

Median home value: $274,400 (3.1 times income)
Median household income: $88,630
Total population: 12,500
Overall Niche grade: A-
Metropolitan area: North Port-Bradenton-Sarasota, FL

32. Greenbrier, TN

Median home value: $290,500 (3.1 times income)
Median household income: $94,280
Total population: 6,954
Overall Niche grade: C+
Metropolitan area: Nashville-Davidson--Murfreesboro--Franklin, TN

31. Bayshore Gardens, FL

Median home value: $150,600 (3.1 times income)
Median household income: $49,003
Total population: 18,745
Overall Niche grade: A+
Metropolitan area: North Port-Bradenton-Sarasota, FL

30. Homeland, CA

Median home value: $168,400 (3.0 times income)
Median household income: $55,467
Total population: 6,221
Overall Niche grade: C
Metropolitan area: Riverside-San Bernardino-Ontario, CA

29. North Windham, ME

Median home value: $273,300 (3.0 times income)
Median household income: $90,604
Total population: 5,525
Overall Niche grade: B-
Metropolitan area: Portland-South Portland, ME

28. South Bradenton, FL

Median home value: $130,300 (2.9 times income)
Median household income: $44,347
Total population: 25,471
Overall Niche grade: B+
Metropolitan area: North Port-Bradenton-Sarasota, FL

27. Sandy Hook, CT

Median home value: $434,400 (2.9 times income)
Median household income: $148,750
Total population: 9,604
Overall Niche grade: A
Metropolitan area: Bridgeport-Stamford-Danbury, CT

26. Cottage Grove, WI

Median home value: $361,100 (2.9 times income)
Median household income: $123,750
Total population: 7,567
Overall Niche grade: A
Metropolitan area: Madison, WI

25. Marlboro Village, MD

Median home value: $342,200 (2.9 times income)
Median household income: $117,700
Total population: 9,124
Overall Niche grade: B
Metropolitan area: Washington-Arlington-Alexandria, DC-VA-MD-WV

24. Ladson, SC

Median home value: $213,900 (2.9 times income)
Median household income: $74,020
Total population: 15,298
Overall Niche grade: B+
Metropolitan area: Charleston-North Charleston, SC

23. Cumberland Hill, RI

Median home value: $342,900 (2.8 times income)
Median household income: $120,365
Total population: 8,866
Overall Niche grade: A
Metropolitan area: Providence-Warwick, RI-MA

22. Brunswick, MD

Median home value: $295,900 (2.8 times income)
Median household income: $104,700
Total population: 7,781
Overall Niche grade: A-
Metropolitan area: Washington-Arlington-Alexandria, DC-VA-MD-WV

21. White Meadow Lake, NJ

Median home value: $423,000 (2.8 times income)
Median household income: $151,327
Total population: 9,223
Overall Niche grade: A
Metropolitan area: New York-Newark-Jersey City, NY-NJ

20. Elgin, TX

Median home value: $237,600 (2.8 times income)
Median household income: $85,014
Total population: 10,043
Overall Niche grade: B-
Metropolitan area: Austin-Round Rock-San Marcos, TX

19. Jordan, MN

Median home value: $307,600 (2.8 times income)
Median household income: $111,290
Total population: 6,648
Overall Niche grade: B
Metropolitan area: Minneapolis-St. Paul-Bloomington, MN-WI

18. Lake Mohawk, NJ

Median home value: $417,300 (2.8 times income)
Median household income: $151,167
Total population: 9,703
Overall Niche grade: A-
Metropolitan area: New York-Newark-Jersey City, NY-NJ

17. Lake Monticello, VA

Median home value: $272,300 (2.8 times income)
Median household income: $98,848
Total population: 10,834
Overall Niche grade: A
Metropolitan area: Charlottesville, VA

16. St. Paul Park, MN

Median home value: $249,100 (2.7 times income)
Median household income: $92,760
Total population: 5,497
Overall Niche grade: B-
Metropolitan area: Minneapolis-St. Paul-Bloomington, MN-WI

15. Ranson, WV

Median home value: $214,300 (2.7 times income)
Median household income: $80,242
Total population: 5,497
Overall Niche grade: B-
Metropolitan area: Washington-Arlington-Alexandria, DC-VA-MD-WV

14. Big Lake, MN

Median home value: $266,600 (2.7 times income)
Median household income: $100,188
Total population: 11,857
Overall Niche grade: B-
Metropolitan area: Minneapolis-St. Paul-Bloomington, MN-WI

13. Sangaree, SC

Median home value: $196,900 (2.6 times income)
Median household income: $74,343
Total population: 8,680
Overall Niche grade: B
Metropolitan area: Charleston-North Charleston, SC

12. Hutto, TX

Median home value: $279,800 (2.6 times income)
Median household income: $105,743
Total population: 29,498
Overall Niche grade: A-
Metropolitan area: Austin-Round Rock-San Marcos, TX

11. Hopatcong, NJ

Median home value: $284,600 (2.6 times income)
Median household income: $107,670
Total population: 14,411
Overall Niche grade: B
Metropolitan area: New York-Newark-Jersey City, NY-NJ

10. Edgewood, MD

Median home value: $217,800 (2.5 times income)
Median household income: $85,742
Total population: 25,116
Overall Niche grade: B+
Metropolitan area: Baltimore-Columbia-Towson, MD

9. Riverside, MD

Median home value: $231,900 (2.5 times income)
Median household income: $91,842
Total population: 5,924
Overall Niche grade: A
Metropolitan area: Baltimore-Columbia-Towson, MD

8. Abingdon, MD

Median home value: $350,200 (2.5 times income)
Median household income: $141,384
Total population: 5,111
Overall Niche grade: A
Metropolitan area: Baltimore-Columbia-Towson, MD

7. Pacheco, CA

Median home value: $240,600 (2.4 times income)
Median household income: $100,904
Total population: 5,041
Overall Niche grade: A-
Metropolitan area: San Francisco-Oakland-Fremont, CA

6. Camp Swift, TX

Median home value: $142,600 (2.3 times income)
Median household income: $61,586
Total population: 6,908
Overall Niche grade: B
Metropolitan area: Austin-Round Rock-San Marcos, TX

5. Sharon Hill, PA

Median home value: $138,000 (2.1 times income)
Median household income: $66,378
Total population: 5,976
Overall Niche grade: B
Metropolitan area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

4. Chester, PA

Median home value: $80,800 (2.1 times income)
Median household income: $39,193
Total population: 33,048
Overall Niche grade: C-
Metropolitan area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

3. Salem, NJ

Median home value: $65,100 (1.9 times income)
Median household income: $35,143
Total population: 5,285
Overall Niche grade: C
Metropolitan area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

2. Federal Heights, CO

Median home value: $95,300 (1.7 times income)
Median household income: $56,316
Total population: 14,173
Overall Niche grade: B-
Metropolitan area: Denver-Aurora-Centennial, CO

1. Pembroke Park, FL

Median home value: $55,300 (1.3 times income)
Median household income: $41,875
Total population: 6,266
Overall Niche grade: B+
Metropolitan area: Miami-Fort Lauderdale-West Palm Beach, FL