LANHAM, Md. (WNEW) — A study of 27 U.S. metro areas finds that San Francisco is where you need the largest salary in order to afford a median-priced home, and Cleveland is where you can make the least and still be able to purchase a house.

Our local metros, D.C. and Baltimore, fall somewhere in the middle, though the District is far more expensive than Charm City. conducted the study by comparing the National Association of Realtors’ data for median home prices and its own data on average interest rates for 30-year, fixed-rate mortgages.

It then determined how much money it would take to afford the base cost of owning a home (including principal, interest, taxes and insurance) in each of the 27 cities.

The nation’s capital was the sixth most expensive city for home buyers on the list. HSH calculates that the monthly mortgage payment on a median-priced home in D.C. is about $1,832, and it would take a $78,504 annual salary to afford that amount.

Meanwhile, a median-priced home in Baltimore costs about $1,239 per month. Home buyers making about $53,079 a year can afford an average mortgage in that area, HSH says.

Here’s a full list of the cities HSH ranked, and the salary needed to afford a median-priced home in those areas:

Cleveland, $29,788.67
Pittsburgh, $30,177.78
St. Louis, $31,275.49
Cincinnati, $31,850.18
Detroit, $32,250.30
Atlanta, $34,183.44
Tampa, $36,437.56
Phoenix, $41,308.74
Orlando, $43,243.95
San Antonio, $44,506.00
Minneapolis, $45,732.39
Dallas, $47,708.77
Houston, $49,036.60
Philadelphia, $50,546.25
Chicago, $52,866.88
Baltimore, $53,078.51
Sacramento, $58,113.87
Miami, $59,734.23
Denver, $59,892.46
Portland, $60,307.71
Seattle, $73,851.06
Washington D.C., $78,503.56
Boston, $79,820.01
Los Angeles, $85,964.88
New York City, $89,788.69
San Diego, $98,534.22
San Francisco, $137,129.55


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