Where Can First-Time Buyers Achieve Down Payments Fastest?

First-time homebuyers can save for a median down payment fastest in Warren, Detroit, and Virginia Beach, taking about 3 to 4 years. In contrast, saving in expensive coastal cities like New York City, San Francisco, and Los Angeles can take decades, with NYC requiring up to 65 years due to high prices and large down payment requirements. Lower down payment options and assistance programs can help shorten saving time in affordable markets.