The salary you have to earn to buy a home in 19 major US cities

In the market for a home? Mortgage site HSH.com has updated its estimate of how much annual income a household would need to buy a home in major metropolitan areas in the US, according to fourth-quarter 2015 data.

Thanks to lower mortgage rates and home prices, houses were more affordable in nearly every metro area measured than they had been in the previous quarter. The National Association of Realtors told HSH.com that it doesn’t expect this trend to continue. The site also calculated how it would change the salary needed to buy a home if a buyer were to put 10% down instead of the recommended 20%. No matter where you are, it’s more expensive — you can visit HSH.com to see both numbers.

The site looked at median home prices from the National Association of Realtors. It took into account interest rates for common 30-year fixed-rate mortgages and property taxes and insurance costs to figure out how much money it would take to pay a median-priced home’s mortgage, taxes, and insurance in each city, and how much you’d have to earn to afford it. Salaries listed are rounded to the nearest $500.

19. San Antonio

19. San Antonio

Google Maps

Population: 1,409,000

Median Home Price: $192,100

Monthly Mortgage Payment: $1,096

Salary Needed to Buy: $46,000

18. Orlando

18. Orlando

Google Maps

Population: 255,483

Median Home Price: $205,000

Monthly Mortgage Payment: $1,115

Salary Needed to Buy: $48,000

17. Minneapolis

Population: 407,207

Median Home Price: $223,700

Monthly Mortgage Payment: $1,172

Salary Needed to Buy: $50,500

16. Philadelphia

Population: 1,517,628

Median Home Price: $213,700

Monthly Mortgage Payment: $1,204

Salary Needed to Buy: $51,500

15. Dallas

15. Dallas

Google Maps

Population: 2,518,638

Median Home Price: $206,200

Monthly Mortgage Payment: $1,208

Salary Needed to Buy: $52,000

14. Houston

Population: 2,076,189

Median Home Price: $209,200

Monthly Mortgage Payment: $1,217

Salary Needed to Buy: $52,000

13. Baltimore

Population: 640,064

Median Home Price: $233,500

Monthly Mortgage Payment: $1,233

Salary Needed to Buy: $53,000

12. Chicago

Population: 2,824,584

Median Home Price: $209,800

Monthly Mortgage Payment: $1,352

Salary Needed to Buy: $58,000

11. Sacramento

11. Sacramento

Google Maps

Population: 479,686

Median Home Price: $294,100

Monthly Mortgage Payment: $1,450

Salary Needed to Buy: $62,000

10. Miami

10. Miami

Google Maps

Population: 417,650

Median Home Price: $286,000

Monthly Mortgage Payment: $1,471

Salary Needed to Buy: $63,000

9. Portland

9. Portland

Google Maps

Population: 609,456

Median Home Price: $318,300

Monthly Mortgage Payment $1,538

Salary Needed to Buy: $66,000

8. Denver

8. Denver

Google Maps

Population: 649,495

Median Home Price: $353,500

Monthly Mortgage Payment: $1,596

Salary Needed to Buy: $68,500

7. Seattle

Population: 652,405

Median Home Price: $385,300

Monthly Mortgage Payment: $1,829

Salary Needed to Buy: $78,500

6. Washington, DC

Population: 582,049

Median Home Price: $371,600

Monthly Mortgage Payment: $1,834

Salary Needed to Buy: $78,500

5. Boston

Population: 645,966

Median Home Price: $393,600

Monthly Mortgage Payment: $1,940

Salary Needed to Buy: $83,000

4. New York City

Population: 8,213,839

Median Home Price: $384,600

Monthly Mortgage Payment: $2,024

Salary Needed to Buy: $87,000

3. Los Angeles

Population: 3,794,640

Median Home Price: $481,900

Monthly Mortgage Payment: $2,217

Salary Needed to Buy: $95,000

2. San Diego

Population: 1,284,347

Median Home Price: $546,800

Monthly Mortgage Payment: $2,407

Salary Needed to Buy: $103,000

1. San Francisco

Population: 777,660

Median Home Price: $781,600

Monthly Mortgage Payment: $3,453

Salary Needed to Buy: $148,000

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