Here are the 15 least affordable housing markets in the US

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Gore Creek Drive in Vail, CO.
source
Wikimedia Commons

Houses are expensive, and getting a bad deal can make financing a home that much more painful.

RealtyTrac, which analyzes US property data, compiled the least affordable places to live in the US.

Surveying 582 counties across the country, the firm compiled home price and wage data. They developed a ranking of affordability by dividing the region’s average mortgage payment by average weekly wages.

From RealtyTrac’s data, we compiled a list of the 15 counties where is takes more than 80% of average wages to make an average house payment.

California dominates the list, with 9 of the top 15 counties. But the most expensive county is a bit to the east and it takes 138.5% of a the average wage to make the average home financing payment.

Check out the full list below from most to least affordable, along with the metro area, average house price and average weekly wages for the county.


Sonoma County, CA

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Mill Creek Winery, Healdsburg, California, part of Sonoma County.
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Wikimedia Commons

Metro Area: Santa Rosa-Petaluma, CA

Affordability Percentage: 80.5%

Average House Price: $345,551

Average Weekly Wages: $895


Santa Barbara County, CA

source
Zillow

Metro Area: Santa Barbara-Santa Maria-Goleta, CA

Affordability Percentage: 82.9%

Average House Price: $395,159

Average Weekly Wages: $961


Fairfax City, VA

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A house in Fairfax Station, VA.
source
asianjournalusa/Flickr

Metro Area: Washington-Arlington-Alexandria, DC-VA-MD-WV

Affordability Percentage: 84.4%

Average House Price: $474,494

Average Weekly Wages: $1,162


Monterey County, CA

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Salinas, California
source
Wikimedia Commons

Metro Area: Salinas, CA

Affordability Percentage: 84.9%

Average House Price: $268,110

Average Weekly Wages: $824


San Benito County, CA

caption
Downtown Hollister, CA, part of San Benito County.
source
Wikimedia Commons

Metro Area: San Jose-Sunnyvale-Santa Clara, CA

Affordability Percentage: 85.1%

Average House Price: $280,652

Average Weekly Wages: $754


Queens County, NY

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Homes along a street in the Jackson Heights neighborhood in Queens.
source
Wikimedia Commons

Metro Area: New York-Northern New Jersey-Long Island, NY-NJ-PA

Affordability Percentage: 85.3%

Average House Price: $451,145

Average Weekly Wages: $936


Napa County, CA

caption
A home in Napa, CA.
source
Courtesy of RealEstateInNapaValley.com

Metro Area: Napa, CA

Affordability Percentage: 85.4%

Average House Price: $338,198

Average Weekly Wages: $920


San Francisco County, CA

caption
San Francisco.
source
Flickr / (matt)

Metro Area: San Francisco-Oakland-Fremont, CA

Affordability Percentage: 86.3%

Average House Price: $730,891

Average Weekly Wages: $1,785


San Luis Obispo County, CA

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The city of San Luis Obispo, CA.
source
Wikimedia Commons

Metro Area: San Luis Obispo-Paso Robles, CA

Affordability Percentage: 96.0%

Average House Price: $425,775

Average Weekly Wages: $811


Monroe County, FL

caption
Duval Street, Key West, the seat of Monroe County.
source
Daniel Korzeniewski/Shutterstock.com

Metro Area: Key West, FL

Affordability Percentage: 98.3%

Average House Price: $367,976

Average Weekly Wages: $773


Maui County, HI

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Lahaina, HI, inside of Maui County.
source
Bill Brooks / Alamy

Metro Area: Kahului-Wailuku, HI

Affordability Percentage: 99.2%

Average House Price: $358,869

Average Weekly Wages: $770


Santa Cruz County, CA

caption
The Santa Cruz Boardwalk
source
Flickr/Flashfonic

Metro Area: Santa Cruz-Watsonville, CA

Affordability Percentage: 109.0%

Average House Price: $450,198

Average Weekly Wages: $896


Marin County, CA

caption
The Old St. Hilary church in Marin County, California
source
Wikimedia Commons

Metro Area: San Francisco-Oakland-Fremont, CA

Affordability Percentage: 119.3%

Average House Price: $645,097

Average Weekly Wages: $1,125


Kings County, NY

caption
Homes in the Park Slope neighborhood of Brooklyn, which makes up the total of King’s County.
source
Wikimedia Commons

Metro Area: New York-Northern New Jersey-Long Island, NY-NJ-PA

Affordability Percentage: 126.3%

Average House Price: $517,640

Average Weekly Wages: $833


Eagle County, CO

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Eagle County, Colorado
source
Wikimedia Commons

Metro Area: Edwards, CO

Affordability Percentage: 138.5%

Average House Price: $434,223

Average Weekly Wages: $771