Thursday, May 21, 2026

Book Nook - What They Stole: A Familicide Rooted in Intercountry Adoption

In 1955, timber magnate Harry Holt flew to war-ravaged Korea to adopt eight babies who'd been fathered by U.S. servicemen. Driven by a belief in the superiority of Christian American homes—and amid intense national media attention—he returned to Oregon with the children. Together with his wife, Bertha, Holt launched what would later become Holt International, an agency that facilitated the placement of thousands of Korean children in the decades that followed. Some were abandoned or orphaned, but many were separated from families due to poverty, coercion, and, in some cases, outright abduction. Many children were also gravely ill—some dying en route to the United States. 


Half a century later, in Iowa City, Steve Sueppel—a churchgoing bank vice president—murdered his wife and their four Korean-born children, all adopted through the Holt Agency, before taking his own life. To those around them, the Sueppels had been a model family.  

In WHAT THEY STOLE: A Familicide Rooted in Intercountry Adoption (Iowa University Press; May 26, 2026), Paige Towers weaves together these histories to examine the system that connects them: an intercountry adoption industry shaped by Cold War politics, evangelical networks, and racial hierarchy. Drawing on archival research and original reporting, she traces how early Korean adoptees navigated life in the United States long after public attention faded—and asks what was gained, what was lost, and who ultimately bore the cost. 

A work of history, true crime, and social analysis, What They Stole challenges the feel-good narrative of adoption, exposing how power, faith, and global inequality shaped one of the most influential American humanitarian movements of the twentieth century.


You can learn more in this interview.


In WHAT THEY STOLE, you examine the troubled history of U.S. adoptions from Korea and in particular the case of Steven Sueppel, who murdered his wife and 4 adopted Korean children in 2008. How does that one horrific incident shed light on the broader history of abuse within Korean American adoptions?

The Sueppel case is so extreme that, both in 2008 and in the years since, it was largely treated as an isolated incident. But what drew me to this familicide was not just the violence itself—or the fact that the murders happened in my hometown of Iowa City—but how it illuminates the broader history of America’s system of adoption from South Korea.

In the aftermath of the Korean War, this system prioritized speed, volume, and Western demand over transparency and accountability. Children’s records were routinely altered or obscured, agencies operated with limited oversight, and adoption was framed as an unquestionably benevolent act. Within this structure, adoptive families’ abuse—which was perpetrated more frequently than people realize—was difficult to detect, easy to minimize, and rarely traced back to systemic causes. 

The Sueppel familicide exposes the cracks in the narrative. It forces us to confront how religious zeal, white saviorism, colorblindness, inadequate post-adoption support, and privatized child welfare can converge behind closed doors. Rather than being an anomaly, we ought to view the case as the rupture of a flawed system, one that reveals danger that’s otherwise hidden.  

Harry Holt, a wealthy, evangelical businessman, helped pioneer the mass adoption of Korean children by American families after the Korean War. Many of these children were orphans, abandoned, or facing starvation, and some were placed with loving families. However, Holt relocated many children without consent from parents and to families unprepared to care for them, sometimes with devastating consequences including numerous deaths. What are the legacies of Harry Holt and international adoption more broadly?

Depending on who’s telling the story, Harry Holt appears as a humanitarianor the reckless architect of a system that prioritized religious zeal over the rights of Korean families and the safety of their children. 

Harry Holt was an anti-unionist, conservative, born-again Christian farmer and businessman with no background in child welfare. Yet after adopting eight young children from Korea in 1955, he and his wife Bertha founded an agency that shaped the modern adoption system, opening pathways for hundreds of thousands of children to be placed abroad. 

Many adoptees entered loving and stable homes. But Holt’s legacy is inseparable from the methods he pioneered: mass child placements with minimal regulation, adoption framed as rescue, the creation of “paper orphans” (children whose biological families were alive but erased from the record), and the removal of children without consent. His model transformed intercountry adoption into a multi-million-dollar global industry whose consequences continue across generations. 

 The history of Korean-American adoption is inseparable from the influences of imperialism and racism. How do men like Holt reflect these broader dynamics in the 20th century? And how did racism on both sides affect how and which children were removed and where they were ultimately placed?

Even when framed as Christian charity, the mid-century adoption boom was deeply embedded in Cold War hierarchies. After the Korean War, the US positioned itself as both a military power and humanitarian savior in South Korea, with adoption serving as a private extension of that role. 

Agencies such as Holt operated on the belief that white, Christian, nuclear families offered the only path to safety and morality. Children were treated as “blank slates” and stripped of their identities for the purpose of assimilation. Meanwhile, under the authoritarian leadership of Syngman Rhee, the Korean government encouraged these adoptions to export a perceived social threat: mixed race children. Fathered by American servicemen and born to Korean women, multiracial children were disproportionately targeted for adoption under the guise of rescue, leaving many mothers, especially those with Korean Black babies, with no real choice. Ultimately, these political decisions and structural conditions led to an unnecessary tragedy: mass family separations. 

Religious zealotry has long shaped international American adoption, as many adoptive parents are driven by the belief that they’re saving children by giving them Christian homes. How has this impacted adoptees and their outcomes?

Christian agencies and leaders have often framed adoption as a moral and spiritual imperative, and many evangelical families understood adoption as a mandate to “save” children by bringing them into Christian homes. This presumption of goodness on the part of adoptive families too often replaced rigorous screening, or any screening at all. Holt International, for instance, often prioritized spiritual standing over psychological readiness, education, or financial stability, contributing in some cases to abuse, abandonment, neglect, and even murder.

This rescue narrative can also shape adoptees’ inner lives. Many describe carrying a burden of gratitude, like an expectation to prove they were worthy of being saved. At the same time, their grief is often minimized. People report feeling pressure to suppress the emotions tied to the loss of family, language, culture, and homeland to maintain harmony within their adopted families. When you add in colorblindness and discrimination, these dynamics can have lasting effects on identity, belonging, and mental health.

How did the Holt agency fail the Sueppel children? Although the murders occurred decades after Holt's most harmful actions in Korea, did aspects of its early approach contribute to the tragedy in Iowa?

Although the murders of the Sueppel children occurred in 2008, well after the “Wild West” era of 1950s proxy adoptions, Holt’s early philosophy remained influential. Holt International long emphasized that a child needed little more than a good Christian home, creating a lasting bias in how prospective parents were evaluated. By these standards, Steven Sueppel appeared to be an ideal candidate. A successful banker and active church member, he embodied the traits the agency valued, leaving underlying pressures and instabilities unexamined. And families like the Sueppels were permitted to adopt four children, including two children with disabilities, despite significant financial strain.

Even by the 2010s, these adoptions still occurred by proxy, with children placed sight unseen, a practice critics likened to “mail-order” placements. At the same time, post-adoption oversight was minimal, leaving children without advocates when crises escalated. This model—prioritizing faith and status over rigorous evaluation and with limited follow-up—allowed risks to go undetected, showing how systemic gaps created decades earlier still had tragic consequences for adoptees.

What does an ethical international adoption policy look like today? And what political and social action must occur for this to take place?

Intercountry adoption has shifted from a (highly profitable) model of charitable rescue to one increasingly grounded in human rights and family preservation. Adoptee-led advocacy has reshaped the field, challenging the rescue narrative and centering trauma and identity. Ethical policy now emphasizes exhausting all alternatives: whenever possible, children should remain with their biological families or within their home countries. Agencies are expected to obtain informed, uncoerced consent, verify children’s backgrounds, and provide post-placement support, including access to original records and medical histories. International legislation like the Hague Adoption Convention have also helped curb bribery, competition, and the creation of “paper orphans.”

Yet significant challenges remain. Thousands of Korean and other intercountry adoptees lack US citizenship, leaving some vulnerable to deportation as adults—especially as ICE arrests have surged dramatically under the second Trump administration. Private faith-based adoption agencies also require stronger vetting, and federal oversight remains inconsistent.

At the same time, we need to stay vigilant. In times of war, migration, and political instability, vulnerable families always remain at risk of separation. 


Paige Towers is author of The Sound of Undoing: A Memoir in Essays. Her writing has appeared in The Washington Post, The Guardian, McSweeney’s, and Harvard Review. Originally from Iowa, Towers now lives along the Washington coast.

Tech Tidbits - Parenting and AI Survey

AI is quickly becoming a behind-the-scenes parenting assistance for many families across the U.S.

 

A new nationwide survey from Lurie Children’s Hospital finds 81% of parents use AI to help with parenting tasks and 43% use it weekly. 

 

  • Top ways parents use AI: health or medical information, meal planning and grocery lists, and behavior advice
  • 2 in 3 say AI has reduced their mental load as a parent
  • 34% of parents say their children use AI tools, toys or chatbots

 

The top ways kids are using AI are include general information, entertainment and homework help. More than 55% of parents say their child uses AI unsupervised and 28% don’t have rules/limits around AI use. 

 

“As AI becomes more accessible and integrated into everyday life, it is important that we communicate about digital literacy and work with children on how to use these tools effectively,” said Rachel Follmer, MD, developmental and behavioral pediatrician at Lurie Children’s. “Parents should have open conversations about risk and also benefits of using the technology.”

 

Take a look at the full report for more insights including guilt around AI use and what parents don’t trust about it.

Travel Tidbits - Gas Prices and Travel Plans

With summer right around the corner, 59% of Americans say high gas prices are affecting their travel plans, according to a new WalletHub survey. The survey is accompanied by WalletHub’s picks for the Best Credit Cards for Summer Travel in 2026, highlighting deals worth more than $750 in airfare, hotel reservations, and other travel expenses. For those venturing abroad, WalletHub also released its 2026 International Travel Credit Card Study, ranking the top cards for avoiding foreign fees and getting the most out of travel benefits while abroad.

Key Findings:

  • Gas Prices Reshape Summer Travel: 59% of Americans say high gas prices are affecting their travel plans.
     
  • Tighter Travel Budgets This Summer: 51% of Americans plan to spend less money this summer than last summer.
     
  • Skipping Bills for Vacation: More than 1 in 5 Americans would skip a credit card payment before skipping a vacation.
     
  • Debt Stress Haunts Vacationers: 48% of people worry about credit card bills while they’re on vacation.
     
  • Debt Won't Stop the Party: More than 1 in 3 Americans say it’s worth going into debt for a good vacation.
     
  • Summer Travel Starts With a Budget: More than 3 in 5 Americans say they budget for summer travel.
     
  • Best for International Travel: Capital One and Navy Federal Credit Union are the best credit card companies for international travelers in 2026. They’ve topped the list since 2022.
     
  • The Travel Benefits Cards Offer Most: The most common travel benefits on credit cards are emergency assistance (59% of cards), rental car insurance (49%), lost luggage insurance (29%), and accident insurance (23%).
     
  • Best Travel Credit Card: The Capital One Venture Rewards Credit Card is the best credit card for summer travel because it offers an initial bonus worth $750 in travel, along with at least double miles on all travel purchases, a reasonable annual fee and no foreign transaction fees.

 

“A summer vacation is the light at the end of the tunnel for a lot of us, helping get us through the dreary winter months. But events out of our control are interrupting our visions of a peaceful beach or lake somewhere, putting summer fun in jeopardy. High gas prices are affecting 59% of people’s travel plans, according to a new WalletHub survey, and most people plan to spend less this summer than last summer.

It’s not just a matter of whether we can afford to go away, as many people would rather skip a credit card payment than a vacation. Worrying about affordability while on vacation is a quick way to kill the vibe, too. Fortunately, there are ways to make summer travel a bit more affordable. The right credit card could get you hundreds of dollars in travel rewards, and a good budget can help you cut other spending to save up.”

- John Kiernan, WalletHub Editor

 
 

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Enriching Education - ClassDojo Expands Tutoring

As schools continue to grapple with unfinished learning and persistent teacher shortages, summer is emerging as a critical—and often underutilized—opportunity to help students stay on track academically without placing additional strain on educators. In response, companies like ClassDojo are expanding access to flexible, teacher-led tutoring designed to support learning beyond the classroom.


According to the National Assessment of Educational Progress (NAEP), many U.S. students remain below pre-pandemic achievement levels in both math and reading, underscoring the ongoing need for additional academic support. At the same time, districts are being asked to accelerate progress despite limited time, staffing, and resources during the school year—driving demand for solutions that can extend learning beyond traditional classroom hours.

For elementary-aged students in particular, summer can play an important role in reinforcing foundational skills, building confidence, and helping children start the next school year on stronger footing. As a result, tutoring is increasingly being viewed as a practical strategy to support learning in a flexible, personalized way—especially when it can be delivered without adding to already full teacher workloads.

ClassDojo, a trusted partner to 90% of U.S. schools, is expanding access to its private, online Dojo Tutor, building on early results that show the impact of personalized, teacher-led support. The platform connects students with more than 2,500 certified and vetted teachers for one-on-one tutoring tailored to individual learning needs.

The focus isn't on homework help; it's on helping students make meaningful academic progress. Tutors begin by understanding where each student is, identifying gaps, and building a plan to move them forward. Through flexible, online sessions available seven days a week, students can get support in core subjects like math, reading and writing at times that work around summer schedules. That flexibility, combined with one-on-one instruction, allows students to receive the kind of focused attention that's often difficult to provide in a busy classroom.

Early results reflect that impact: many students begin to show measurable academic improvement within just a few sessions, and families report increased confidence as students build skills and momentum.

For teachers, that kind of individualized time can be hard to replicate during the school year, when classrooms are larger and time is limited. At the same time, teacher-led tutoring models offer a way to extend the impact of great teaching, while also giving educators flexible opportunities to work with students in a more individualized setting—and, for some, to supplement their income outside the traditional school day.

Heather, a Dojo Tutor who teaches 3rd–5th grade math and reading, shared one student success story that especially stands out to her. She worked with a 3rd-grade student over the summer and throughout the school year, focusing on building the student's confidence and strengthening foundational math skills. As a result, the student entered 4th grade prepared for the more challenging curriculum and quickly found her stride.

"What made this experience so memorable was seeing everything click for her early on," Heather said. "She started the school year strong, stayed ahead, and is now even beginning to tackle 5th-grade-level math. It reinforced for me how impactful consistent support and early preparation can be for a student's long-term success."

For parents, summer can bring both flexibility and stress, particularly when it comes to keeping students engaged academically. Having access to personalized support that fits around busy schedules can make it easier to maintain progress without adding pressure. District leaders are also continuing to prioritize tutoring and summer learning but often face limits around staffing and access. Flexible, teacher-led models can help extend those efforts, reaching more students and providing targeted support beyond traditional programs.

"With the right support, summer doesn't have to mean lost learning," said Patrick Pellicano, Dojo Tutor Lead, ClassDojo. "It can be a chance for students to build momentum and return to school more confident, prepared and ready to succeed."

Learn more about Dojo Tutor, including subjects, scheduling and how to get started at https://www.classdojo.com/tutoring/.

ClassDojo
ClassDojo is on a mission to give every child an education they love. Used in 95% of U.S. schools, ClassDojo helps teachers and families build stronger school communities through everyday communication. ClassDojo for Districts is a unified communication and engagement platform that brings everyday classroom updates and districtwide messaging into one seamless experience—helping families feel connected, students stay engaged, and school culture grows stronger. It's built with privacy at its core and available to districts at no additional cost.

Area Attractions - School’s Out, Wonder’s In! WonderWorks Destiny Launches Summer Fun With Big Events

The countdown to summer break is on in Syracuse, as families prepare for the schools to let out and for the real fun to begin. To kick things off on a high note, WonderWorks Destiny is hosting their annual Summer Kickoff Party from June 25-28, 2026, where everyone can get buy one, get one free admission. This special weekend marks the start of a particularly exciting, fun-filled summer season at the upside-down house.

 

“Syracuse really comes to life during the summer months, so we’re excited to get the ball rolling,” said Jon Cascella, general manager at WonderWorks Destiny. “Everyone is invited to party with us during this special discount weekend!”

 

Families from all across Central New York are encouraged to get in on the fun during the annual Summer Kickoff Party held at WonderWorks Destiny. The event will be held from June 25-28, 2026. During this time, everyone visiting will be able to get BOGO (buy one, get one free) admission at the door. The event helps kick off the start of summer break for locals and vacationers alike. To get the BOGO admission offer at the ticket counter, guests need to say the secret phrase “Hello Summer.”

 

Attendees are sure to start their summer break with an unforgettable upside-down adventure that will provide them with hours of fun, unique learning opportunities, and an amazing way to create memories with friends and loved ones. There is something for everyone to enjoy in the facility, making it a family-friendly place to visit this summer. There are over 100 hands-on exhibits that guests of all ages can participate in to challenge the mind and spark the imagination. Located on the third floor of Destiny USA, WonderWorks is convenient to get to and has something of interest for everyone. They are a go-to spot for indoor fun all summer long.

 

The fun continues on Tuesday, June 30, 2026, as WonderWorks Destiny hosts the first Tykes Tuesday event of the year in partnership with Destiny USA. The free family-fun event is recommended for kids 12 and under, and it will be held in the Canyon area of the mall from 12:00 pm to 2 pm. WonderWorks will be conducting their popular egg drop competition, where participants can put their engineering skills to the test and attempt to prevent their egg from breaking as it hits the ground. The WonderWorks mascot, Professor Wonder, may even stop by for some fun and photos! Visit the Destiny USA website for more information about Tykes Tuesday, being held every week throughout summer break.

 

“The world of STEAM would not be what it is today without American innovation, so we’re joining in on the celebration of America’s 250th! It’s sure to be a fantastic summer here in the upside-down house,” said Monica Tohafjian, guest experience coordinator at WonderWorks Destiny.

 

July 4, 2026, marks the 250th year anniversary of United States independence, and WonderWorks Destiny will be commemorating this with The Great American Summer of Wonder. The event includes a new, printable Kids’ Corner Activity Sheet, patriotic trivia on their social media pages with admission ticket giveaways, red, white, and blue decorations across the facility, and more. The Great American Summer of Wonder is sure to be a celebration of American innovation and patriotism that will take place from Memorial Day through Labor Day. Follow the WonderWorks Destiny Facebook page to see each offering as it launches and get in on the patriotic trivia for a chance to win free admission passes.

 

WonderWorks Destiny offers a variety of educational programs and promotions throughout the year for local students and families to enjoy. It also offers group rates, birthday parties, scout weekends, homeschool days, and corporate event packages. They have five Wonder Zones spread across 40,000 square feet, covering topics such as extreme weather, space exploration, light and sound, and more. They offer a unique illusion art gallery, physical challenges, the world’s largest suspended indoor ropes course, laser tag, a 4D XD Motion Theater, and more. For more information, visit the site at: https://www.wonderworksonline.com/destiny.

 

About WonderWorks

WonderWorks, a science-focused indoor amusement park, combines education and entertainment into one venue. With over 100 hands-on exhibits, there is something unique and challenging for all ages. Feel the power of 71 mph hurricane-force winds in the Hurricane Shack. Make life-sized bubbles in the Bubble Lab. Get the NASA treatment and experience zero gravity in the Astronaut Training Gyro. Nail it by lying on the death-defying Bed of Nails. WonderWorks is in Orlando, Pigeon Forge, Panama City Beach, Myrtle Beach, Syracuse, and Branson. For more information, visit WonderWorksDestiny.com, and follow @WonderWorksDestiny on Facebook, @WonderWorksDUSA on X (Twitter), @WonderWorks_dusa on Instagram, and @WonderWorksOfficial on TikTok.

Wednesday, May 20, 2026

Healthy Habits - T.N. Dickinson's Witch Hazel First Aid Essentials

T.N. Dickinson's Witch Hazel, America's #1 First Aid Cleansing Brand*, announces the launch of two new first aid essentials, Wound Cleansing Spray and Pain & Itch Relief Foam, expanding its legacy of gentle, effective solutions designed to simplify relieving everyday skin irritations. Made with 100% natural, clinical-grade witch hazel, these new innovations deliver an all-in-one approach to cleansing, soothing and relieving pain from life's most common "oops" moments, from minor cuts and burns to bug bites and itchy rashes.

T.N. Dickinson's Wound Cleansing Spray is the go-to first aid essential for life's unexpected cuts, scrapes, burns and skin irritations. This all-in-one formula comes in an easy, mess-free spray for quick application to help relieve pain while removing impurities and helping prevent infection.

  • All-in-One Wound Care – Combines 100% natural witch hazel extract with an antiseptic and a maximum-strength pain reliever to cleanse, disinfect and relieve pain in one step.
  • Cleanses & Helps Prevent Infection – Made with 100% natural witch hazel extract to gently remove debris and impurities. Plus, it kills 99% of germs with benzalkonium chloride to help prevent infection.
  • Maximum-Strength Pain Relief – Formulated with Pramoxine HCI, a topical analgesic to help relieve pain, itching and discomfort from minor wounds.

T.N. Dickinson's Pain & Itch Relief Foam is a first aid all-in-one foam designed for head-to-toe use. It gently cleanses, soothes and relieves minor burns, sunburns, insect bites and stings, poison ivy, itchy rashes and everyday skin irritations.

  • All-in-One Pain & Itch Relief – Combines 100% natural witch hazel extract with a maximum-strength pain reliever and skin protectant in one convenient foam.
  • Gently Cleanses & Soothes Skin – Made with 100% natural witch hazel extract to help remove debris and impurities. Plus, it helps calm irritated, itchy skin.
  • Maximum-Strength Pain & Itch Relief + Skin Protection & Healing Support – Formulated with Pramoxine HCI, a topical analgesic to help relieve pain, itching and discomfort, plus Zinc Acetate to help protect and support the natural healing process.

The products reflect T.N. Dickinson's Witch Hazel commitment to gentle yet effective care suitable for the whole family. Free from fragrance, dyes, parabens, phthalates, sulfates and gluten, the formulas are also alcohol-free, lidocaine-free, vegan and cruelty-free. For over 150 years, T.N. Dickinson's Witch Hazel has been a trusted name in natural, effective and gentle personal care. Today, that legacy continues with innovative first aid products designed to cleanse, soothe and relieve pain for the whole family— because There's T.N. Dickinson's for THAT!

"We've always believed first aid should be both effective and safe for the whole family," said Bryan Jackowitz, President of Dickinson Brands. "These new products are designed to take the guesswork out of addressing everyday skin concerns by combining cleansing, soothing and relief into one simple step. With the trusted power of our 100% natural, clinical-grade witch hazel at the core, we're continuing to deliver solutions families can rely on."

Both the Wound Cleansing Spray and Pain & Itch Relief Foam are now available on Amazon.com, and the Wound Cleansing Spray is also available at Target.com and in select Target stores, where shoppers can take advantage of an on-pack coupon for a limited time, making it even easier to upgrade their first aid routine.

T.N. Dickinson's Witch Hazel
T.N. Dickinson's is the brand families have trusted for gentle and effective first aid, personal and skin care for over 150 years. To this day, T.N. Dickinson's has stayed true to their commitment to natural clinical care by producing only 100% natural, clinical grade USP** witch hazel. As the primary ingredient, this genuine witch hazel is at the core of all T.N. Dickinson's products with no unnecessary additives bringing natural, effective, safe products you can feel good using. T.N. Dickinson's is the only all-natural witch hazel effective enough to cleanse, soothe, and treat just about anything your skin needs from head to toe and gentle enough to use every day.  For more information, visit the brand on Facebook, Instagram, TikTok, YouTube or at tndickinsons.com.

*Circana MULO First Aid Treatment unit sales, 52 weeks ending 1-25-26.
** USP, the organization that sets the standards for strength and purity of active ingredients.

Money Matters - Most Affordable Cities to Buy a Home in 2026

With the median home sales price at $403,200 and the average fixed mortgage interest rate close to 6.4%, the personal-finance company WalletHub today released its report on the Most Affordable Cities to Buy a Home in 2026, as well as expert commentary, to help buyers find good housing without breaking the bank in this expensive market.

WalletHub compared 300 U.S. cities across 10 key metrics. The data set ranges from the cost of homes and their maintenance to tax rates and vacancy rates.
 

Most Affordable CitiesLeast Affordable Cities
1. Flint, MI291. Westminster, CA
2. Detroit, MI292. San Francisco, CA
3. Surprise, AZ293. New York, NY
4. Yuma, AZ294. Pasadena, CA
5. Akron, OH 295. Los Angeles, CA
6. Pittsburgh, PA296. Berkeley, CA
7. Memphis, TN297. Glendale, CA
8. Augusta, GA298. Costa Mesa, CA
9. Indianapolis, IN299. Santa Monica, CA
10. Cleveland, OH300. Santa Barbara, CA


Best vs. Worst

  • Flint, Michigan, has the most affordable housing (median house price divided by median annual household income) which is 9.8 times cheaper than in Santa Barbara, California, the city with the least affordable housing.
     
  • Honolulu has the lowest median real-estate tax rate which is nine times lower than in Paterson, New Jersey, the city with the highest.
     
  • Flint, Michigan, has the highest rent-to-price ratio which is 12.5 times higher than in Santa Monica, California, the city with the lowest.
     
  • Miami Gardens, Florida, has the highest median home price appreciation which is 6.5 times higher than in Stamford, Connecticut, the city with the lowest.
     
  • Miami Beach, Florida, has the highest vacancy rate which is 19.4 times higher than in Norwalk, California, the city with the lowest.

 
To view the full report and your city’s rank, please visit: 
https://wallethub.com/edu/most-affordable-cities-for-home-buyers/121950

 
 
“When deciding where to buy, home prices alone aren’t a good enough indicator of how affordable things will be. You also have to consider how prices compare to incomes in the area, plus factor in things like the cost of living, maintenance expenses and taxes. The most affordable cities, like Flint, MI, Detroit, and Surprise, AZ, have low costs across several of these different metrics.”

“Flint, MI, is the most affordable city to buy a home in 2026, boasting the lowest cost of living index in the country and the most affordable home prices relative to residents’ income. It also has the lowest median home price per square footage, at just $59. To put that in perspective, the price in the most expensive cities is over $1,000 per square foot.”

- Chip Lupo, WalletHub Analyst
 

Expert Commentary
 
What should home buyers consider when choosing a city to settle down?

“Beyond the listing price itself, prospective buyers should carefully evaluate a city's long-term economic fundamentals, including job market strength, population growth trends, and the quality of local schools and public services. Factors like commute infrastructure, cost of living relative to median income, and the historical price appreciation of the local market are also worth weighing before committing to a particular area.”
Jim Brau, PhD, CFA, CFP® – Professor of Finance, Brigham Young University
 
“Choosing a city in 2026 requires looking beyond a home's sticker price. Buyers are now prioritizing long-term carry costs and lifestyle flexibility… In 2026, insurance premiums have become a major factor in monthly affordability. In some high-risk states, homeowners are paying over 2,500 dollars more annually than they did two years ago… The median age of a first-time buyer has hit an all-time high of 40. These buyers are prioritizing quality over quantity, focusing on grocery optimized features like walk-in pantries and refrigerated garage drawers for bulk storage…”
Andrew Burnstine, Ph.D. – Associate Professor, Lynn University
 

What are your housing market predictions for 2026?

“Going into 2026, many housing analysts expect a gradual loosening of inventory constraints as more homeowners who are locked in low pandemic-era rates finally accept the new rate environment and list their properties, slowly improving selection for buyers. However, persistent affordability challenges in high-demand metros are likely to continue, with price growth moderating rather than reversing in most major markets. Of course, all real estate is local.”
Jim Brau, PhD, CFA, CFP® – Professor of Finance, Brigham Young University
 
“Experts generally agree that 2026 is the year of the rebound. Lawrence Yun, chief economist for the National Association of Realtors, predicts a 14% nationwide increase in home sales as buyers finally return to the market… The 30-year fixed rate is forecast to average 6.3% in 2026. While still above pandemic lows, it is a significant improvement from the 7% rates seen in early 2025… Existing home sales are expected to climb to 4.26 million units, a 4.3% increase from the 29-year low recorded in 2024… For sale inventory is projected to rise by 8.9% this year. Although this is a third consecutive year of growth, the national inventory remains about 12% below pre-2020 levels.”
Andrew Burnstine, Ph.D. – Associate Professor, Lynn University
 

How can state and local authorities increase home buying affordability?

“State and local governments can meaningfully expand affordability by reforming zoning laws to allow higher-density and mixed-use development, reducing the regulatory barriers and permitting delays that artificially constrain housing supply. Down payment assistance programs, inclusionary zoning mandates, and partnerships with community land trusts are also tools that localities have used to help lower-income and first-time buyers access homeownership in otherwise cost-prohibitive markets.”
Jim Brau, PhD, CFA, CFP® – Professor of Finance, Brigham Young University
 
“State and local governments are taking more aggressive steps in 2026 to address a national shortage of 7.2 million affordable rental homes… More cities are following the trend of legalizing townhomes and rowhomes. These smaller, more affordable options are helping to fill the gap left by the lack of traditional entry-level single-family homes… Local authorities in several states have implemented 15-day action requirements for building applications to reduce the carrying costs that often drive up final home prices… There is a growing push for Congress to increase investments in rental subsidies and emergency assistance to prevent evictions which stabilizes the broader housing market for everyone… In the South and West where local policies have enabled more construction housing, markets are reaching balance faster than in the Northeast and Midwest where supply still lags behind pre pandemic norms.”
Andrew Burnstine, Ph.D. – Associate Professor, Lynn University

 
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