Rounding out the top 10 of affordable homeownership cities were Flint, Michigan; Toledo, Ohio; Detroit; Akron, Ohio; Warren, Michigan; Pittsburgh; Yuma, Arizona; Springfield, Illinois; and Palm Bay, Florida.

It was really tough to find property where the numbers made sense in the bay area.

Real estate generates a return through cash flow + appreciation.It appears that cash flow is negativeAppreciation appears to be 0% over 2-3 years based on zillowThe question is what you beleive the future will hold for cash-flow and appreciation.Cash-flow will likely continue to be negativeThe question is what do you think about the appreciation for the bay area.If the property continues to stay at $850,000, it will likely not be a good decision to hold on to the property.If you think the property can appreciate to $900,000, $950,000 over a few years, then it can potentially be a good reason to hold. 

I moved to the San Francisco Bay area 35 years ago from Toronto.

I also have rentals out here in the San Francisco Bay Area. 

They would be near the beach in Pinellas park or Tampa Bay Florida

Everything depends on your current and future goals.I live in the bay area of California.

I live in the SF bay area, renting half a duplex in Sunnyvale ($2500/mo) and I'd like to find some way to live in this area long term buy obviously I've got to be clever about it.  

I'm seeking insights into the pros and cons of investing in Accessory Dwelling Units (ADU) in south bay versus buying a condo in east bay, particularly in terms of appreciation and cash flow.

Bay Area and Indianapolis.