Zillow research shows that first-time buyers in Indianapolis will have a good selection of homes to choose from and not too much competition.

Indianapolis is the best market for first-time home buyers right now, according to Zillow’s latest analysis. Pittsburgh and Memphis are also high on the list of places that are the easiest for first-time buyers.

To determine the list, Zillow looked at:

Median home values. Lower home values means buyers need less cash for a down payment to break into the housing market.

Lower home values means buyers need less cash for a down payment to break into the housing market. Affordability. The places where mortgage payments take up a small share of income and rental payments are more unaffordable.

The places where mortgage payments take up a small share of income and rental payments are more unaffordable. Inventory. More homes for sale means it’s easier to find the perfect fit.

More homes for sale means it’s easier to find the perfect fit. Cash buyer competition. Fewer all-cash offers mean less competition.

The median home value in Indianapolis is $130,200, and buyers can expect to spend 11 percent of their monthly income on a mortgage payment, which is incentive to become a homeowner in Indianapolis. Renters in Indianapolis can expect to put 26 percent of their monthly income toward a rental payment.

Salt Lake City is the toughest place for first-time home buyers, followed by Washington, D.C. and New York. Other challenging markets are San Jose, Seattle, and Austin, where many millennials are moving because of the areas’ hot job markets. Unfortunately, when they start looking for a home, they’ll find high prices and not many options.