�鶹ԭ��

- Total mortgage holders: 107,363
- Share that are mortgage burdened: 35.2%

Housing prices in Poughkeepsie have been rising steadily as the city situated on the bank of the Hudson River just north of New York City has gone through a of sorts in recent years. Victorian-style houses have been bought up and renovated, historic railroad infrastructure turned into tourist destinations, and sprawling parking lots have been cleared and replaced with multifamily apartment complexes.

The typical person living in Poughkeepsie earns around $47,000 per year, according to Census data. Meanwhile, the median sale price of a home in the city is $333,000, according to data from .

- Total mortgage holders: 158,763
- Share that are mortgage burdened: 35.3%

Like Poughkeepsie, Stamford’s proximity to New York has made it a magnet for wealthy individuals looking to move out of the crowded city. Stamford is considered part of the wealthy, majority white metro area that also includes the neighboring cities of Bridgeport, Norwalk, and Danbury, also known as Connecticut’s “Gold Coast.”

Between 2010 and 2020, Stamford’s population grew its fastest since the mid-1900s, adding more than 10,000 residents. It’s home to several Fortune 500 companies, including Charter Communications, United Rentals, and Indeed. The median income in Stamford is nearly $97,000 annually, per the most recent Census data, and the typical home in the metro area , according to Realtor.com data.

- Total mortgage holders: 664,099
- Share that are mortgage burdened: 35.4%

More than a third of homeowners in many of California’s most populous metros are considered mortgage-burdened, and homeowners in San Francisco must accept some of the most expensive real estate prices in the entire U.S. California’s so-called Bay Area includes San Francisco, Oakland, and San Jose. It is home to an exceptionally wealthy tranche of Americans due to the concentration of high-paying tech jobs in the region.

The median annual income in San Francisco County in 2020 was nearly $120,000, and in San Jose, it’s $117,000, according to Census data. Despite higher incomes, sky-high home values in the Bay Area still ensure that mortgage payments make up an outsized portion of residents’ financial obligations each year.

- Total mortgage holders: 120,650
- Share that are mortgage burdened: 37.8%

In Honolulu, a greater share of homeowners are mortgage-burdened than even San Francisco. Faced with steep declines in tourism revenues, Hawaii’s own government as well as local business CEOs during the COVID-19 pandemic—a move that could have a lasting impact on the Aloha State’s housing affordability.

In the capital city on the island of Oahu’s south shore, the typical household earns around $87,000 annually and the median home is listed for $700,000, according to data. Experts in Hawaii have that the rising cost of everything, housing included, has only lent more ammunition to the argument that the island state needs more affordable housing.

- Total mortgage holders: 2,298,350
- Share that are mortgage burdened: 38.1%

Most might figure New York City to be the most unaffordable place one could own a home in the U.S.—and its proportion of mortgage-burdened homeowners is high. The median home in New York is selling for $860,000 today, according to data. The city suffers from an acute shortage of housing, placing upward pressure on rental costs as well as mortgages. As housing costs are , elected officials are facing immense pressure to alleviate the shortage.

- Total mortgage holders: 621,258
- Share that are mortgage burdened: 38.1%

Riverside sits an hour’s drive east of Los Angeles and is part of the metro area known as the Inland Empire. Home prices in Riverside have in the last two decades. Some experts have suggested the growing remote work trend is pushing more workers to purchase homes in less population-dense portions of the state.

Each square mile of LA, on average, is home to more than 8,000 people. That level of density is much higher than in Riverside, where each square mile is home to around 300 people, according to Census data. The typical home in Riverside sells for around $625,000, according to Realtor.com, with Census data showing the median household income to be $70,000 annually.

- Total mortgage holders: 434,507
- Share that are mortgage burdened: 38.5%

San Diego Mayor Todd Gloria began an  in March 2022 to spur new home building with the hopes of alleviating the shortage currently driving up housing costs for residents. The city boasts much of the same natural, oceanside beauty offered by LA but is about half as densely populated, according to Census data.

Real estate analysts who have watched locals leave the city in recent years for cheaper housing elsewhere  with the San Diego area’s high cost of living. The typical household in San Diego earns around , and the median home sold for $911,000, per Realtor.com.

- Total mortgage holders: 122,724
- Share that are mortgage burdened: 38.8%

Oxnard, the childhood home of farm labor activist Cesar Chavez and  for the NFL’s Dallas Cowboys, sits one hour northwest of downtown LA. Oxnard is considered part of the metro area that includes Thousand Oaks and Ventura.

The region’s economy is dependent on agriculture, manufacturing, tourism, and increasingly, the . The median household earns , and the typical home in Oxnard sells for $760,000, according to Realtor.com.

- Total mortgage holders: 760,044
- Share that are mortgage burdened: 40.4%

The coastal oasis of Miami is one of the country’s least-affordable cities. It’s even more densely populated than LA, and the Miami Herald’s editorial board has moved from describing the lack of affordable housing in the metro area as a problem to dubbing it a

Miami-Dade County itself officially declared a housing emergency in early 2022. Programs intended to spur the building of more affordable housing have been inadequate in remedying the situation over the last decade, according to . At roughly $44,000 per year, the median household income in Miami is staggeringly low compared to South Florida’s housing costs. The typical home in Miami , according to Realtor.com.

- Total mortgage holders: 1,498,220
- Share that are mortgage burdened: 41.8%

Rounding out the most unaffordable places to live is Los Angeles—easily the poster child for frighteningly high housing costs and homeless working people in the U.S. In LA, the typical household brings home $65,000 annually, according to Census data. Meanwhile, Realtor.com data shows .

Los Angeles County, like other counties in California, has actually seen its population since the start of the pandemic. Experts say residents are being , in part, by a need to find cheaper housing. And forget affordable homes for sale in LA—the  has dubbed even finding a place to rent a "competitive sport" in today's economy.