Money

Here's the salary you need to afford rent in 10 of the largest US cities

Victorian houses in San Francisco, California.
Getty Images
Victorian houses in San Francisco, California.

City life can be glamorous but it comes at a price.

In a 2016 report, personal-finance site SmartAsset determined how much you need to earn to afford rent in the largest U.S. cities. Spoiler alert: For a handful of these hot spots, you may need to be raking in six figures.

SmartAsset looked at the average cost of renting available two-bedroom apartments in 2016 in each city.

To calculate the gross income required, the site set the rent-to-income ratio at 28%. "Government housing standards say that housing is affordable if it doesn't require a household to spend more than 30% of its income on housing-related expenses including utilities and rent," SmartAsset says in the report.

"Therefore, we allowed for households to spend no more than 28% of their income on rent alone." (Here's an easy way to figure out how much home you can afford.)

Read on to see how much you would have to make before taxes to afford rent in 10 of the biggest U.S. cities. We also included the percent change of average rents from 2015 to 2016 (provided by SmartAsset) to give you an idea of how much rent is increasing in each city.

Dallas, Texas

Income needed to pay rent: $62,700

Average cost of renting a two-bedroom in 2016: $1,463

Percent change from 2015: 10.2%

Dallas, Texas skyline
Matt Nager | Bloomberg | Getty Images
Dallas, Texas skyline

Philadelphia, Pennsylvania

Income needed to pay rent: $65,100

Average cost of renting a two-bedroom in 2016: $1,519

Percent change from 2015: -0.5%

Philadelphia skyline
Jerry Driendl | Getty Images

Chicago, Illinois

Income needed to pay rent: $76,071

Average cost of renting a two-bedroom in 2016: $1,775

Percent change from 2015: 1.7%

Evening picture from Chicago riverwalk
Izzet Keribar | Getty Images
Evening picture from Chicago riverwalk

Miami, Florida

Income needed to pay rent: $90,300

Average cost of renting a two-bedroom in 2016: $2,107

Percent change from 2015: 8.7%

Miami, Florida
Scott B. Smith | Getty Images
Miami, Florida

Seattle, Washington

Income needed to pay rent: $98,271

Average cost of renting a two-bedroom in 2016: $2,293

Percent change from 2015: 7.3%

Seattle, Washington
Mike Kane | Bloomberg | Getty Images

Washington, D.C.

Income needed to pay rent: $119,271

Average cost of renting a two-bedroom in 2016: $2,783

Percent change from 2015: 3.7%

Pennsylvania Avenue at dusk, Washington D.C.
Jon Hicks | Getty Images
Pennsylvania Avenue at dusk, Washington D.C.

Boston, Massachusetts

Income needed to pay rent: $120,900

Average cost of renting a two-bedroom in 2016: $2,821

Percent change from 2015: -0.2%

Brownstones in Back Bay, Boston
Jorge Salcedo | Getty Images
Brownstones in Back Bay, Boston

Los Angeles, California

Income needed to pay rent: $145,629

Average cost of renting a two-bedroom in 2016: $3,398

Percent change from 2015: 17.1%

Skyline of downtown Los Angeles, California
Matthew Gush | Stock / 360 | Getty Images
Skyline of downtown Los Angeles, California

New York, New York

Income needed to pay rent: $158,229

Average cost of renting a two-bedroom in 2016: $3,692

Percent change from 2015: -0.1%

The Brooklyn Bridge and the skyline of lower Manhattan, New York.
Ryan D. Budhu | Getty Images
The Brooklyn Bridge and the skyline of lower Manhattan, New York.

San Francisco, California

Income needed to pay rent: $216,129

Average cost of renting a two-bedroom in 2016: $5,043

Percent change from 2015: 7.4%

Victorian houses in San Francisco, California.
Getty Images
Victorian houses in San Francisco, California.

Read the full report, which includes the methodology and income needed to pay rent in the 15 largest U.S. cities.

Don't miss: 8 cities where you have to earn over $70,000 to afford a home