A report from Porch, an online service for home improvement projects, found that Atlanta has an average millennial homeownership rate compared to the national average. Just over 39% of Atlanta millennials own homes, the same as the national average, Porch reported.

The millennial homeownership rates are lower than those of previous generations at the same age, the report found, for a variety of reasons, such as higher student loan debt, delayed age of marriage, lack of affordable housing, and different geographic preferences than older generations. The current national homeownership rate is 63.9%, while for millennials it is only 39.5%.

Porch analyzed data from the Census Bureau, the Bureau of Economic Analysis and Zillow in order to rank U.S. metro areas according to millennial homeownership rates. In order to determine some of the underlying factors of the overall rate, they also examined local median home prices, average monthly mortgage payments, median earnings for full-time workers and the cost of living.

The report suggested several reasons for Atlanta’s millennial homeownership rate. The local average cost of living was 3% lower than the national average, while median earnings were $500 above average. Both the median home price and average monthly mortgage payments were slightly below average.