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A couple standing by a home for sale with a real estate agent.
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If you want to become a homeowner, you don't need to earn six figures. But you may need to live in the right place.

Using the National Association of Realtors' Metropolitan Median Area Prices and Affordability and Housing Affordability index from the second quarter of 2018, CNBC Make It identified 15 cities where the qualifying income to purchase a home with a 10 or 20 percent down payment is an annual salary of $40,000 or less.

The data assumes a 4.7 percent mortgage rate for all areas and a monthly principal and interest payment limited to 25 percent of a resident's income.

While buyers may still need to pay down debt, save up cash and qualify for a mortgage, the bottom line is that buying a home on a middle-class salary is still possible — in some places.

Below, check out 15 cities where you can become a homeowner while earning $40,000 a year or less.

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14. Abilene, TX     • Per capita income growth in 2016: -3.0%     • 5 yr. per capita income growth: 5.5%     • Per capita income: $40,409     • May 2018 unemployment: 3.3%     Abilene is one of several Texas metro areas to report a decline in per capita income in 2016. As is the case in other metro areas in the state, the decline in per capita income in Abilene is largely attributable to falling oil prices. The concentration of oil and gas extraction workers in the metro area is more than four times the national concentration -- and in 2016, oil prices hit a multi year low. Falling oil prices contributed to considerable employment and wage declines in the metro area's oil and gas extraction sector. Both wages and employment in the industry dipped by about a third from 2015 to 2016.     By some measures, Abilene's economy has improved as oil prices have rebounded in recent months. Currently, just 3.3% of the labor force is unemployed, below the national unemployment rate of 3.8% and considerably lower than the metro area's peak 2016 jobless rate of 4.1%.     ALSO READ: States Where Americans Are Paying the Most Taxes
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Abilene, Texas

Salary required with a 10 percent down payment: $37,827
Salary required with a 20 percent down payment: $33,624
Median home price: $167,200

Bloomington, Illinois

Salary required with a 10 percent down payment: $35,723
Salary required with a 20 percent down payment: $31,754
Median home price: $157,900

Buffalo, New York

Salary required with a 10 percent down payment: $33,732
Salary required with a 20 percent down payment: $29,984
Median home price: $149,100

Cedar Rapids, Iowa

Salary required with a 10 percent down payment: $36,922
Salary required with a 20 percent down payment: $32,820
Median home price: $163,200

Charleston, West Virginia

Salary required with a 10 percent down payment: $32,035
Salary required with a 20 percent down payment: $28,476
Median home price: $141,600

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Cleveland, Ohio

Salary required with a 10 percent down payment: $34,660
Salary required with a 20 percent down payment: $30,809
Median home price: $153,200

El Paso, Texas

Salary required with a 10 percent down payment: $35,271
Salary required with a 20 percent down payment: $31,352
Median home price: $155,900

Erie, Pennsylvania

Salary required with a 10 percent down payment: $27,533
Salary required with a 20 percent down payment: $24,474
Median home price: $121,700

Fort Wayne, Indiana

Salary required with a 10 percent down payment: $32,805
Salary required with a 20 percent down payment: $29,160
Median home price: $145,000

Lexington, Kentucky

Salary required with a 10 percent down payment: $39,524
Salary required with a 20 percent down payment: $35,132
Median home price: $174,700

Montgomery, Alabama

Salary required with a 10 percent down payment: $32,963
Salary required with a 20 percent down payment: $29,300
Median home price: $145,700

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31. Oklahoma     • Top 1% earn at least: $333,139     • Avg. income of top 1%: $932,520     • Avg. income of bottom 99%: $52,533     • Adults with a bachelor's degree: 25.2%     ALSO READ: Names That Are Disappearing the Fastest
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Oklahoma City, Oklahoma

Salary required with a 10 percent down payment: $37,216
Salary required with a 20 percent down payment: $33,081
Median home price: $164,500

Rochester, New York

Salary required with a 10 percent down payment: $34,366
Salary required with a 20 percent down payment: $30,547
Median home price: $151,900

Springfield, Illinois

Salary required with a 10 percent down payment: $31,266
Salary required with a 20 percent down payment: $27,792
Median home price: $138,200

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16. Kansas: Topeka     • Adults who do not exercise: 25.0% (Kansas: 24.6%)     • Population with no access to exercise locations: 21.5% (Kansas: 24.6%)     • Obesity rate: 34.6% (Kansas: 32.4%)     • Adults in fair or poor health: 14.4% (Kansas: 15.0%)     • Median household income: $56,548 (Kansas: $54,935)     ALSO READ: 100 Most Popular Musicians on Tour This Year!
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Topeka, Kansas

Salary required with a 10 percent down payment: $31,515
Salary required with a 20 percent down payment: $28,013
Median home price: $139,300

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