In 2015, 32% of people who bought homes in the U.S. were first-time buyers. WalletHub reporter Richie Bernardo presents the best and worst states in 2016 for first-time home buyers based on factors such as cost of living, affordable housing, real estate tax rates, home price appreciation, and others.

Overland Park, Kan., came in as the best city for first-time buyers, followed by Greeley Colo., Thornton, Colo., Cedar Rapids, Iowa, and Westminster, Colo.

Laredo, Texas, has the lowest cost of living, compared to Fremont, Calif., which has the highest. The most affordable housing can be found in Detroit and Flint, Mich., which has 12 times the amount of affordable options as five cities in California (Santa Monica, Santa Barbara, San Francisco, Berkeley, and Glendale). First-time home buyers will also find low real estate tax rates in Honolulu and Montgomery, Ala., but high taxes in Waukegan, Ill., and Waterbury, Conn.

Continue to WalletHub to see the full list of the best and worst first-time home buyer cities.

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