With high interest rates and home prices making daily headlines, houses in Texas' current real estate market may seem out of reach for many potential homebuyers.

But that isn't the case in the Houston area. A new study has revealed three H-town suburbs were ranked the most "house rich" cities in the United States: Sugar Land (No. 3), Pearland (No. 5), and League City (No. 7).

To define the term "house rich," home services provider All Star Home examined data from the U.S. Census Bureau regarding the median value of owner-occupied homes and the median household income across the 25 most populous American cities. A home-value-to-income ratio was established for each city based on the Census data, and rankings were determined based on whether a city had a low home-value-to-income ratio and high homeownership rate.

Sugar Land has a homeownership rate of 80.90 percent, which is an impressive number in comparison to Houston's own homeownership rate of 42.50 percent. The census data estimates Sugar Land's median home value at $397,000, the greatest out of the three suburbs, and the median household income is $132,766. The report determined Sugar Land's home-value-to-income ratio is 2.78, which is also the highest out of the three total Houston 'burbs.

The homeownership rate in Pearland isn't too far behind Sugar Land's, at 76.60 percent, with home values estimated at a median $334,800. The census data places the median household income in Pearland at $103,496, which means the city's home-value-to-income ratio is 2.52.

League City's homeownership rate of 74.40 percent is much closer to Pearland's than Sugar Land's. The median value of a home in League City is $350,300, and the median household income is estimated at $104,867. The city's home-value-to-income ratio is 2.44.

The top 10 most house rich American cities are:

• No. 1 – Davie, North Carolina
• No. 2 – Buckeye, Arizona
• No. 3 – Sugar Land, Texas
• No. 4 – Fishers, Indiana
• No. 5 – Pearland, Texas
• No. 6 – Lee's Summit, Missouri
• No. 7 – League City, Texas
• No. 8 – Rio Rancho, New Mexico
• No. 9 – Boise, Idaho
• No. 10 – Broken Arrow, Oklahoma

In a separate analysis of the 25 most populous American cities, Houston ranked No. 12.

The study found 42.50 percent of all housing in Houston is owner-occupied. The median value of a home in the city is $200,700, according to the report, which also pegs the median household income at an estimated $56,019 per year. Using those financial factors, All Star Home determined Houston has a home-value-to-income ratio of 3.58.

With Houston's median household income, affording a starter home in the city might not be as unattainable as potential homebuyers might think.

Texas cities dominated the top five in the major cities category of the report. El Paso took the No. 1 spot, leading over all other major American cities with the highest homeownership rate (59.80 percent) and a home-value-to-income ratio of 2.68. Fort Worth (No. 4) and San Antonio (No. 5) rounded out the top five, following behind Oklahoma City, Oklahoma (No. 2) and Indianapolis, Indiana (No. 3). Dallas also ranked outside the top 10, falling behind Houston into No. 15.

The top 10 most house-rich major cities in the U.S. are:

• No. 1 – El Paso, Texas
• No. 2 – Oklahoma City, Oklahoma
• No. 3 – Indianapolis, Indiana
• No. 4 – Fort Worth, Texas
• No. 5 – San Antonio, Texas
• No. 6 – Jacksonville, Florida
• No. 7 – Columbus, Ohio
• No. 8 – Philadelphia, Pennsylvania
• No. 9 – Charlotte, North Carolina
• No. 10 – Phoenix, Arizona

All Star Home also analyzed the most house rich states in America, but Texas appeared at the bottom of the study's category for the least house rich states, ranking No. 21.

The full report can be found on allstarhome.com.