Best Budget-Friendly Cities Where You Can Enjoy a Temperate Climate Year-Round

The housing market has been a persistent challenge for prospective buyers over recent years. With property values climbing steadily since the pandemic began, finding an affordable place to live with pleasant weather feels increasingly difficult. Yet it’s far from impossible. We identified 15 U.S. cities with populations exceeding 150,000 that strike that perfect balance—offering median home values under $300,000 alongside some of the most temperate climate conditions across the nation.

The Sweet Spot: Affordability Meets Comfort

When searching for a new home, most people prioritize two factors: price and climate. These 15 destinations prove you don’t have to compromise on either. Whether you prefer mild winters or moderate summers, the cities below showcase the most temperate climate options available while keeping your budget intact.

Southern Comfort: Warmth Without Breaking the Bank

15. Norfolk, Virginia

• Summer temperature range: 73°F to 88°F
• Winter temperature range: 34°F to 49°F
• Median home value: $265,043

Norfolk offers coastal charm with a relatively mild temperate climate. The city strikes a balance between accessible housing prices and pleasant four-season weather.

14. Huntsville, Alabama

• Summer temperature range: 70°F to 89°F
• Winter temperature range: 33°F to 50°F
• Median home value: $262,671

This Alabama hub boasts moderate summers and mild winters, making it an attractive option for those seeking consistent, comfortable weather year-round.

13. Tallahassee, Florida

• Summer temperature range: 73°F to 91°F
• Winter temperature range: 41°F to 63°F
• Median home value: $260,360

Florida’s capital combines affordability with subtropical conditions, perfect for anyone wanting to escape harsh winters.

12. San Antonio, Texas

• Summer temperature range: 76°F to 96°F
• Winter temperature range: 43°F to 63°F
• Median home value: $257,775

Known for its vibrant culture, San Antonio also delivers a temperate climate that’s considerably easier on the wallet than many comparable cities.

11. Greensboro, North Carolina

• Summer temperature range: 70°F to 87°F
• Winter temperature range: 31°F to 49°F
• Median home value: $228,448

Greensboro represents the Piedmont region’s ideal blend of affordability and pleasant seasonal variety, with a genuine temperate climate.

The Midwest Balance: Four Seasons at Reasonable Prices

10. Philadelphia, Pennsylvania

• Clear days annually: 102
• Days below 32°F: 73
• Days above 90°F: 52
• Housing affordability index: 30%

This major metropolitan area surprises many with its relative affordability and moderate climate profile—fewer extreme weather days than expected.

9. Springfield, Missouri

• Summer temperature range: 69°F to 89°F
• Winter temperature range: 26°F to 43°F
• Median home value: $210,441

Springfield exemplifies Midwest practicality, offering genuine temperate climate conditions at a fraction of coastal city prices.

8. Baton Rouge, Louisiana

• Summer temperature range: 74°F to 91°F
• Winter temperature range: 43°F to 62°F
• Median home value: $203,770

Louisiana’s capital delivers warm, consistent weather with housing costs that remain remarkably reasonable.

7. Little Rock, Arkansas

• Summer temperature range: 74°F to 93°F
• Winter temperature range: 34°F to 51°F
• Median home value: $189,947

Little Rock combines River Valley beauty with affordable real estate and a genuinely temperate climate that appeals to budget-conscious buyers.

Deep South Bargains: Maximum Affordability Meets Warmth

6. Mobile, Alabama

• Summer temperature range: 75°F to 90°F
• Winter temperature range: 42°F to 60°F
• Median home value: $175,700

Mobile’s Gulf Coast location ensures perpetually mild winters while keeping home prices well below national averages.

5. Columbus, Georgia

• Summer temperature range: 73°F to 91°F
• Winter temperature range: 38°F to 58°F
• Median home value: $144,006

This gem offers some of the most reasonable home values in the country alongside genuinely comfortable year-round weather conditions.

4. Memphis, Tennessee

• Summer temperature range: 74°F to 91°F
• Winter temperature range: 34°F to 50°F
• Median home value: $145,968

Memphis provides authentic temperate climate living at prices that seem almost antiquated compared to coastal alternatives.

3. Shreveport, Louisiana

• Summer temperature range: 72°F to 90°F
• Winter temperature range: 31°F to 48°F
• Median home value: $125,769

Shreveport delivers exceptional value for those seeking both affordability and a consistently mild temperate climate.

2. Birmingham, Alabama

• Summer temperature range: 72°F to 90°F
• Winter temperature range: 36°F to 54°F
• Median home value: $100,509

Birmingham stands out as one of the nation’s most affordable metropolitan areas with genuinely pleasant weather conditions throughout the year.

1. Jackson, Mississippi

• Summer temperature range: 73°F to 92°F
• Winter temperature range: 38°F to 58°F
• Median home value: $70,078

Jackson claims the top spot, offering the lowest median home prices on this list alongside a temperate climate that makes the South’s affordability advantage truly undeniable.

The Bottom Line

Finding affordable housing in cities with the most temperate climate across America is entirely achievable. These 15 destinations prove that you can secure a comfortable home in a pleasant climate without depleting your savings. Whether you prioritize warm winters, mild summers, or consistent year-round conditions, options abound for the budget-conscious homebuyer.