(STACKER) -- Three Central Virginia locales are among the most affordable places to buy a home anywhere in the state, according to Redfin.com. Homeownership is something many strive to achieve -- although it's far easier said than done. But affordable pockets still exist. Virginia residents can com fortably spend around 30% of their income or less on housing in some parts of the Commonwealth, which is widely considered the affordable threshold. Redfin Real Estate ranked the most affordable places across Virginia based on their local payment-to-income ratios. These locales were then compiled into a top-20 list by Stacker -- and three Central Virginia localities are among them. More than that, a Richmond-area county came in first place. Miyares makes deal with DOJ instead of taking tuition aid lawsuit to court Keep scrolling to see where Central Virginia's most affordable homes can be found. #11. Short Pump, Henrico County Payment to income ratio: 39.5% Median sale price: $681,701 Median household income: $132,194 Income needed to buy: $174,081 Median monthly mortgage payment: $4,352 See homes for sale in Short Pump by visiting Redfin.com #10. Tuckahoe, Henrico County Payment to income ratio: 39.4% Median sale price: $495,224 Median household income: $96,188 Income needed to buy: $126,462 Median monthly mortgage payment: $3,162 See homes for sale in Tuckahoe by visiting Redfin.com #1. Mechanicsville, Hanover County Payment-to-income ratio: 31.3% Median sale price: $398,399 Median household income: $97,569 Income needed to buy: $101,736 Median monthly mortgage payment: $2,543 Original statewide ranking: #1 See homes for sale in Mechanicsville by visiting Redfin.com All data is an average for the January through October 2025 period. To see the most affordable cities in the country, read this recent Redfin article. ...read more read less