In most of America’s largest metro areas, buying a starter home is out of reach for many. 34 of the top 50 metros require a household income over $100,000, and six demand over $200,000. The typical American household income was just $74,580 in 2022, making most metros unaffordable.

This scenario emerges amid mortgage rates that have climbed to almost 8%, and 10% could be coming soon. Realtor.com used factors like income allocation for housing, down payment, and current interest rates to determine these figures alongside local taxes and insurance.

Here is how unaffordable the housing market is across America’s 50 largest metros, starting with the most affordable and quickly getting to the most unaffordable.

Pittsburgh, PA

Pittsburgh PA
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Median home list price: $250,000
Median household income required to purchase a home: $67,000

Detroit, MI

Detroit MI 1
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Median home list price: $250,000
Median household income required to purchase a home: $69,000

Cleveland, OH

Cleveland Ohio
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Median home list price: $255,000
Median household income required to purchase a home: $71,000

Birmingham, AL

Birmingham AL
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Median home list price: $297,000
Median household income required to purchase a home: $75,000

Buffalo, NY

Buffalo NY
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Median home list price: $285,000
Median household income required to purchase a home: $79,000

St. Louis, MO

St. Louis, MO
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Median home list price: $294,000
Median household income required to purchase a home: $82,000

Rochester, NY

Rochester NY
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Median home list price: $295,000
Median household income required to purchase a home: $87,000

Louisville, KY

Louisville KY
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Median home list price: $327,000
Median household income required to purchase a home: $87,000

Indianapolis, IN

Indianapolis IN
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Median home list price: $340,000
Median household income required to purchase a home: $87,000

New Orleans, LA

New Orleans LA
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Median home list price: $335,000
Median household income required to purchase a home: $90,000

Memphis, TN

Memphis TN
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Median home list price: $339,000
Median household income required to purchase a home: $91,000

Baltimore, MD

Baltimore MD
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Median home list price: $352,000
Median household income required to purchase a home: $91,000

Oklahoma City, OK

Oklahoma City OK
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Median home list price: $330,000
Median household income required to purchase a home: $98,000

Cincinnati, OH

Cincinnati OH
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Median home list price: $375,000
Median household income required to purchase a home: $99,000

San Antonio, TX

San Antonio, Texas, downtown city skyline at dusk.

Median home list price: $345,000
Median household income required to purchase a home: $100,000

Philadelphia, PA

Philadelphia Pennsylvania
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Median home list price: $370,000
Median household income required to purchase a home: $100,000

Virginia Beach, VA

Virginia Beach VA
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Median home list price: $390,000
Median household income required to purchase a home: $100,000

Milwaukee, WI

Milwaukee WI
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Median home list price: $376,000
Median household income required to purchase a home: $102,000

Charlotte, NC

Charlotte NC
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Median home list price: $422,000
Median household income required to purchase a home: $106,000

Columbus, OH

Columbus Ohio
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Median home list price: $397,000
Median household income required to purchase a home: $108,000

Atlanta, GA

Atlanta, Georgia
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Median home list price:$415,000
Median household income required to purchase a home: $108,000

Jacksonville, FL

Jacksonville FL
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Median home list price: $420,000
Median household income required to purchase a home: $108,000

Tampa, FL

Tampa, Florida, USA downtown skyline on the Hillsborough River.

Median home list price: $420,000
Median household income required to purchase a home: $109,000

Providence, RI

picture of Providence, Rhode Island Skyline

Median home list price: $524,000
Median household income required to purchase a home: $138,000

Raleigh, NC

picture of Raleigh, North Carolina, USA downtown city skyline.

Median home list price: $451,000
Median household income required to purchase a home: $113,000

Richmond, VA

Richmond VA
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Median home list price: $459,000
Median household income required to purchase a home: $114,000

Las Vegas, NV

picture of Las Vegas suburban housing sprawl ajoining the Spring Mountains in Southern Nevada. Las Vegas suburban housing sprawl adjoining the Spring Mountains in Southern Nevada.

Median home list price: $475,000
Median household income required to purchase a home: $114,000

Chicago, IL

Chicago IL
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Median home list price: $389,000
Median household income required to purchase a home: $115,000

Orlando, FL

Orlando, Florida Cityscape

Median home list price: $440,000
Median household income required to purchase a home: $116,000

Houston, TX

Houston TX
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Median home list price: $370,000
Median household income required to purchase a home: $118,000

Hartford, CT

Hartford CT
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Median home list price: $406,000
Median household income required to purchase a home: $118,000

Kansas City, KN

Kansas City MO 2
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Median home list price: $422,000
Median household income required to purchase a home: $119,000

Minneapolis, MN

Minneapolis Minnesota
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Median home list price: $449,000
Median household income required to purchase a home: $122,000

Phoenix, AZ

Phoenix
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Median home list price: $537,000
Median household income required to purchase a home: $132,000

Dallas, TX

Dallas TX
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Median home list price: $450,000
Median household income required to purchase a home: $139,000

Nashville, TN

Nashville TN
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Median home list price: $573,000
Median household income required to purchase a home: $142,000

Riverside, CA

Riverside CA
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Median home list price: $600,000
Median household income required to purchase a home: $152,000

Miami, FL

Miami Florida
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Median home list price: $540,000
Median household income required to purchase a home: $153,000

Portland, OR

Portland Oregon
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Median home list price: $615,000
Median household income required to purchase a home: $156,000

Austin, TX

Austin, Texas, downtown cityscape at dusk.

Median home list price: $557,000
Median household income required to purchase a home: $157,000

Sacramento, CA

Sacramento CA
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Median home list price: $650,000
Median household income required to purchase a home: $162,000

Denver, CO

Denver Skyline West Side. Night in Colorado. Downtown Denver with Moon. United States.

Median home list price: $625,000
Median household income required to purchase a home: $165,000

Seattle, WA

Space Needle Seattle Washington
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Median home list price: $775,000
Median household income required to purchase a home: $193,000

New York, NY

New York NY
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Median home list price: $769,000
Median household income required to purchase a home: $218,000

Boston, MA

Bostone skyline at dusk as viewed from Fan Pier Park.

Median home list price: $870,000
Median household income required to purchase a home: $226,000

San Francisco, CA

San Francisco CA 1
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Median home list price: $1,027,000
Median household income required to purchase a home: $256,000

San Diego, CA

San Diego Chula Vista Carlsbad CA
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Median home list price: $1,050,000
Median household income required to purchase a home: $259,000

Los Angeles, CA

Los Angeles
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Median home list price: $1,192,000
Median household income required to purchase a home: $298,000

San Jose, CA

San Jose CA
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Median home list price: $1,467,000
Median household income required to purchase a home: $361,000

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