With mortgage interest rates scraping the bottom and home prices rising very slowly, housing is near record high affordability, according to the latest survey from the National Association of Home Builders and Wells Fargo.

These are the five most affordable major metro areas in the nation for homebuyers and five markets where home prices are least affordable. 

1) Syracuse, N.Y.

Median home price: $88,000
Median income: $64,300
Affordability score: 97.2%

2) Indianapolis

Median home price: $113,000
Median income: $68,700
Affordability score: 94.3%

3) Detroit

Median home price: $85,000
Median income: $55,900
Affordability score: 93.8%

4) Youngstown, Ohio

Median home price: $74,000
Median income: $53,500
Affordability score: 93.3%

5) Buffalo, N.Y.

Median home price: $112,000
Median income: $63,700
Affordability score: 93.3%

Least affordable:

1) New York City

Median home price: $426,000
Median income: $65,600
Affordability score: 19.9%

2) San Francisco

Median home price: $610,000
Median income: $99,400
Affordability score: 21.0%

3) Santa Ana, Calif.

Median home price: $425,000
Median income: $86,100
Affordability score: 32.9

4) Los Angeles

Median home price: $321,000
Median income: $63,000
Affordability score: 33.3%

5) Honolulu

Median home price: $412,000
Median income: $81,700
Affordability score: 35.0%