Lofty home insurance premiums, steep housing prices and inflated mortgage rates are all hurdles new homeowners have to overcome. For those looking to live in bustling cities, things can get even more complicated. While those who live in metro areas tend to have higher incomes overall, it is often reflected in a higher cost of living. Earlier this year, LendingTree examined data from the United States' 50 largest metro areas to see which ones have the most to offer for homeowners. Their metro area rankings were determined based on criteria including; five-year median home value appreciation, median household income for owner-occupied homes, homeownership rates, median annual taxes for owner-occupied homes, median ratio of housing costs to household income, the share of occupied households with one or fewer occupants per room and the share of occupied households without phone service, complete kitchen facilities and complete plumbing facilities. Based on this data, they determined the worst metro areas for homeowners are:

1. Los Angeles, California
2. San Francisco, California
3. Miami, Florida
4. San Jose, California
5. Riverside, California
6. New York, New York
7. Las Vegas, Nevada
8. Providence, Rhode Island
9. Houston, Texas
10. Philadelphia, Pennsylvania

In the slideshow above, we'll look at the ten best metro areas for homeowners in the U.S., according to LendingTree.

Related:

• The least expensive states to start a business
• Home insurers with the strongest net promotor scores
• 9 mistakes homeowners commonly make when filing an insurance claim