According to the National Association of Realtors' 2017 report , there are a multitude of metropolises where you don't have to earn six figures to qualify for a mortgage. In fact, a household income of under $35,000 can still get you a single family home in more places than big-market media would lead you to believe. We've combed through the data to select five of the finest mid-sized cities where the typical home is affordable on an income of less than $35,000 and 20% down.