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9. Pittsburgh: This once-rusting steel town has spent the past quarter-century transforming its economy into an innovative center of technology, healthcare, financial services, and education. And with short commutes, popular professional sports franchises, and all sorts of outdoor activities, Pittsburgh now considers itself "America's Most Livable City." The median home price in Pittsburgh was $127,000 in the second quarter of this year, a modest increase from the same period in 2009. Buyers who make a 20 percent down payment, which totals $25,400, will have monthly payments of about $504 for mortgage principal and interest on a median-priced home in Pittsburgh.
10. Atlanta: With a young, fast-growing population, Atlanta is an exciting city in the heart of the South. The median home price in the Atlanta area was nearly $123,000 in the second quarter of this year, up slightly from the same period a year earlier. After a 20 percent down payment—or $24,600—monthly payments for mortgage principal and interest on a median-priced Atlanta home come to $488.