Are you making a point about Columbus (the biggest city in the 7th most populous state in the country) that I'm missing? MSAs can sometimes be rather small in

Are you making a point about Columbus (the biggest city in the 7th most populous state in the country) that I'm missing? MSAs can sometimes be rather small in area -- for instance, the Bay Area is split into 9 MSAs, all but one of which (SF-Oakland-Berkeley) are less populous than the Columbus MSA. So, everyone in the South Bay lives in a MSA smaller than Columbus (San Jose-Sunnyvale-Santa Clara). If instead, say, you opted to take all CSAs with > 1 million people (per the 2020 census), you'd cover just over 2/3 of the population. (Even so, affordability isn't purely a function of city size. Chicago is eminently more affordable than DC or SF despite being larger than either, whether you consider the CSA, MSA, or just the urban core.)