In the biggest U.S. cities, the income you need to afford to buy a home varies greatly. In Houston, you only need to earn around $50,000 to buy with 20 percent down, but in San Francisco you need $200,000 or more.
Using the National Association of Realtors' Metropolitan Median Area Prices and Affordability and Housing Affordability index from the third quarter of 2018, CNBC Make It identified the income needed to manage to purchase a home with a 10 or 20 percent down payment in the 14 largest U.S. cities.
The data assumes a 4.8 percent mortgage rate for all areas and a monthly principal and interest payment limited to 25 percent of a resident's income.
Check out the income you need to be able to afford a home in the 14 largest U.S. cities.
14. Columbus, Ohio
2017 population: 879,170
Salary required with a 10 percent down payment: $47,514
Salary required with a 20 percent down payment: $42,235
Median home price: $207,600
13. San Francisco, California
2017 population: 884,363
Salary required with a 10 percent down payment: $226,356
Salary required with a 20 percent down payment: $201,205
Median home price: $989,000
12. Jacksonville, Florida
2017 population: 892,062
Salary required with a 10 percent down payment: $56,646
Salary required with a 20 percent down payment: $50,352
Median home price: $247,500
11. Austin, Texas
2017 population: 950,715
Salary required with a 10 percent down payment: $72,828
Salary required with a 20 percent down payment: $64,736
Median home price: $318,200
10. San Jose, California
2017 population: 1,035,317
Salary required with a 10 percent down payment: $297,535
Salary required with a 20 percent down payment: $264,476
Median home price: $1,300,000
9. Dallas, Texas
2017 population: 1,341,075
Salary required with a 10 percent down payment: $59,988
Salary required with a 20 percent down payment: $53,322
Median home price: $262,100
8. San Diego, California
2017 population: 1,419,516
Salary required with a 10 percent down payment: $148,768
Salary required with a 20 percent down payment: $132,238
Median home price: $650,000
7. San Antonio, Texas
2017 population: 1,511,946
Salary required with a 10 percent down payment: $53,053
Salary required with a 20 percent down payment: $47,158
Median home price: $231,800
6. Philadelphia, Pennsylvania
2017 population: 1,580,863
Salary required with a 10 percent down payment: $55,067
Salary required with a 20 percent down payment: $48,948
Median home price: $240,600
5. Phoenix, Arizona
2017 population: 1,626,078
Salary required with a 10 percent down payment: $62,414
Salary required with a 20 percent down payment: $55,479
Median home price: $272,700
4. Houston, Texas
2017 population: 2,313,717
Salary required with a 10 percent down payment: $54,975
Salary required with a 20 percent down payment: $48,867
Median home price: $240,200
3. Chicago, Illinois
2017 population: 2,716,450
Salary required with a 10 percent down payment: $60,720
Salary required with a 20 percent down payment: $53,973
Median home price: $265,300
2. Los Angeles, California
2017 population: 3,999,759
Salary required with a 10 percent down payment: $143,938
Salary required with a 20 percent down payment: $127,945
Median home price: $628,900
1. New York, New York
2017 population: 8,622,698
Salary required with a 10 percent down payment: $89,764
Salary required with a 20 percent down payment: $79,790
Median home price: $392,200
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