In recent decades, home ownership has become much harder to attain for most Americans. Housing costs absorb an ever-growing percentage of take-home incomes, to the point where living paycheck to paycheck becomes the norm and saving for the future an abnormality. Fortunately, according to a new study by GOBankingRates, all is not lost for the would-be homeowner.

Analyzing home prices, mortgage rates and mortgage payments from thousands of markets, this study found the top cities across the U.S. where you can own a home for $1,000 or less a month. To determine mortgage payments, the report assumed a house bought for the current median list price with 20% down and the average mortgage rate for the state, according to Zillow.

The study found that there are indeed plenty of cities where you can own a home for less than $1,000 a month. In the seven cheapest cities — Milwaukee, St. Louis, Buffalo, Cleveland, Baltimore, Memphis and Toledo — mortgage payments aren’t just less than $1,000; they’re a fraction of it.

Take a closer look at the seven most affordable cities to own a home in 2018.

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7. Milwaukee

With a median list price of $117,000, and 4.30% 30-year fixed mortgage, owning a home in Milwaukee costs around $600 a month. This city is a buyers’ market, with home values barely increasing in the last 12 months and list prices stagnating too, according to Zillow.

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6. St. Louis

The median listing price for a home in St. Louis is $139,000, which is actually cheaper than Missouri’s overall price ($165,900). Even though mortgage rates have increased since…