Short on Cash? Buy a Home Here

With soaring home prices and interest rates, it may not seem like the best time to plunk down a down payment on a new home. Some US cities, however, make that goal more attainable than others, and WalletHub sifted through the data to suss out the top contenders. The site looked at 10 metrics for 300 cities of varying size, including the affordability of not just the home but maintenance; the cost of insurance; a city's cost of living; taxes; price appreciation; and active listings per capita. Montgomery, Alabama, shot up to the No. 1 most affordable spot, while Santa Barbara, California, ended up at the bottom of the list. In fact, eight of the 10 least affordable cities are in the Golden State. Here's where you'll have to open your wallet the most, and least:

Most Affordable

1. Montgomery, Alabama
2. Flint, Michigan
3. Toledo, Ohio
4. Detroit
5. Akron, Ohio
6. Warren, Michigan
7. Pittsburgh
8. Yuma, Arizona
9. Springfield, Illinois
10. Palm Bay, Florida

Least Affordable

291. San Francisco
292. New York
293. Pasadena, California
294. Boulder, Colorado
295. Los Angeles
296. Burbank, California
297. Glendale, California
298. Santa Monica, California
299. Berkeley, California
300. Santa Barbara, California

See how other cities fared here. (Looking to start a business? These cities are ideal.)