The salary you need to afford a home in 20 major US cities
As housing prices continue to rise, it becomes increasingly difficult for first-time home buyers to break into the market.
But not all markets are created equal. While you'd need to make upwards of $100,000 to afford a home in San Francisco , that number drops to around $20,000 for one in Pittsburgh.
That data comes from home investment company Unison, whose recently released the Unison Home Affordability Report compares housing affordability rates in major cities across the U.S. For the report, Unison used data from the 2015 U.S. Census American Community Survey to estimate median household incomes by city and neighborhood.
To calculate home affordability, the report assumes a 10 or 20 percent down payment with associated monthly costs at a four percent mortgage rate on a 30-year fixed-rate mortgage, with a maximum allowable debt-to-income ratio of 45 percent.
Unison provided CNBC with data on the income needed to afford a typical home in major U.S. cities. Here's what you need to earn to become a homeowner everywhere from San Antonio to San Francisco.
Pittsburgh
Median home price: $133,142
Income needed for a 10 percent down payment: $22,081
Income needed for a 20 percent down payment: $18,442
San Antonio
Median home price: $140,934
Income needed for a 10 percent down payment: $23,373
Income needed for a 20 percent down payment: $19,522
New Orleans
Median home price: $188,055
Income needed for a 10 percent down payment: $31,188
Income needed for a 20 percent down payment: $26,048
Charlotte
Median home price: $193,402.50
Income needed for a 10 percent down payment: $32,075
Income needed for a 20 percent down payment: $26,789
Phoenix
Median home price: $198,679
Income needed for a 10 percent down payment: $32,950
Income needed for a 20 percent down payment: $27,520
Las Vegas
Median home price: $205,177
Income needed for a 10 percent down payment: $34,028
Income needed for a 20 percent down payment: $28,420
Minneapolis
Median home price: $220,714
Income needed for a 10 percent down payment: $36,605
Income needed for a 20 percent down payment: $30,572
Nashville
Median home price: $243,678
Income needed for a 10 percent down payment: $40,413
Income needed for a 20 percent down payment: $33,753
Chicago
Median home price: $244,651
Income needed for a 10 percent down payment: $40,575
Income needed for a 20 percent down payment: $33,888
Atlanta
Median home price: $250,855
Income needed for a 10 percent down payment: $41,603
Income needed for a 20 percent down payment: $34,747
Salt Lake City
Median home price: $255,870.50
Income needed for a 10 percent down payment: $42,435
Income needed for a 20 percent down payment: $35,442
Miami
Median home price: $278,405
Income needed for a 10 percent down payment: $46,172
Income needed for a 20 percent down payment: $38,563
Dallas
Median home price: $289,750
Income needed for a 10 percent down payment: $48,054
Income needed for a 20 percent down payment: $40,135
Denver
Median home price: $318,164
Income needed for a 10 percent down payment: $52,766
Income needed for a 20 percent down payment: $44,071
Portland
Median home price: $378,961
Income needed for a 10 percent down payment: $62,849
Income needed for a 20 percent down payment: $52,492
Seattle
Median home price: $528,387
Income needed for a 10 percent down payment: $87,631
Income needed for a 20 percent down payment: $73,189
Los Angeles
Median home price: $555,073
Income needed for a 10 percent down payment: $92,057
Income needed for a 20 percent down payment: $76,886
Boston
Median home price: $584,622
Income needed for a 10 percent down payment: $96,957
Income needed for a 20 percent down payment: $80,979
New York
Median home price: $637,703
Income needed for a 10 percent down payment: $105,761
Income needed for a 20 percent down payment: $88,332
San Francisco
Median home price: $1,296,916
Income needed for a 10 percent down payment: $215,089
Income needed for a 20 percent down payment: $179,643
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