A report from Porch, an online service for home improvement projects, found that Chicago has a higher millennial homeownership rate than the national average. Just over 42% of Chicago millennials own homes, 2.7% points more than the national average millennial homeownership rate of 39.5%, 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 found several possible reasons for Chicago’s slightly higher homeownership rates. The cost of living was 2% below the national average, and the median home price in Illinois was $204,872, compared to the national median of $251,598. Porch also found that, while the cost of a home was lower in Chicago, average earnings are higher: A typical monthly mortgage payment was $727 in Chicago, compared to $893 nationally, while the median earnings were $45,000 in Chicago compared to the national average of $40,000.