Flickr / Trey RatcliffThere are affordable places to live for first-time home buyers.
Owning a home doesn't have to be a far-off dream, even if you're still in your 20s.
In a recent report, Credit Karma determined the 10 most affordable US cities for millennials (ages 18 to 34) to buy a home. The report estimated the average number of months it would take to pay off a mortgage by analyzing the median income of young people and the average size of open mortgages in the 100 largest US cities, among other factors.
Buffalo, New York secured the top spot, where it will take young people about 107 months (nine years) to pay off their mortgage. Compare that to Los Angeles, where it could take as many as 534.2 months, or 44.5 years.
Read on to see the full list, plus median home values from the Census Bureau's 2014 American Community Survey: