Based on home prices, median income and mortgage rates, these 10 cities have the most affordable home prices in the nation, according to the National Association of Home Builders and Wells Fargo.

1.  Indianapolis, Indiana

Median home price: $102,000

Median income: $66,900

Affordability score: 95.8%

2.  Dayton, Ohio

Median home price: $81,000

Median income: $63,300

Affordability score: 93.7%

3.  Lakeland, Florida

Median home price: $85,000

Median income: $54,500

Affordability score: 93.2%

4.  Modesto, California

Median home price: $127,000

Median income: $62,000

Affordability score: 92.5%

5.  Grand Rapids, Michigan

Median home price: $100,000

Median income: $60,300

Affordability score: 91.2%

6.  Buffalo, New York

Median home price: $94,000

Median income: $66,100

Affordability score: 91.2%

7.  Ogden, Utah

Median home price: $166,000

Median income: $71,500

Affordability score: 91.1%

8.  Syracuse, New York

Median home price: $106,000

Median income: $66,600

Affordability score: 90.6%

9.  Akron, Ohio

Median home price: $96,000

Median income: $66,500

Affordability score: 90.6%

10. Cincinnati, Ohio

Median home price: $110,000

Median income: $71,300

Affordability score: 90.2%

Source: CNN Money