The estimated purchase price of a newly built home, in a middle-income subdivision on an 8,000 sq. ft. lot with 2,400 sq. ft. living area is $185,999. This typical home has three bedrooms, two full baths, a fireplace and two-car garage. National average is $245,001.

The estimated rental cost for a two-bedroom apartment with 950 sq. ft. suitable for a middle income couple in terms of shopping, commuting, entertainment needs and neighborhood quality is $533 per month. The national average is $729. The apartment is un-furnished with two bedrooms and one or one-and-a-half baths. The rental rate excludes all utilities except water and sewer.