Bakersfield ranked as the number one most affordable city in California on SmartAsset's "Most Affordable Big Cities in America."

The list compared things like closing costs, taxes, insurance and mortgage payments to come up with their answer.

Modesto came in second for affordability, then Moreno Valley, Stockton and Fontana. 

SmartAsset said the most affordable cities were those in which total housing costs on an average house accounted for the smallest proportion of the median income.

Bakersfield was ranked number 38 nationally for affordability.