Source: Zillow, Published April 21, 2026 | Analysis of the 50 Largest U.S. Metros Zillow analyzed the 50 largest U.S. metros to identify the 10 cities most favorable for first-time home buyers. The conclusion is clear — all 10 cities are concentrated in the Sun Belt and Midwest. California did not make the list. The ranking is based on four key criteria: • Rent Affordability — the share of median household income spent on rent (the lower, the more room to save) •