The U.S. Census recommends Americans spend no more than 30% of their income on housing costs per month. Still, an estimated 19 million U.S. households spend over 50% of their income on housing.

As the United States continues to recover from the housing crisis and recession, housing costs, including home prices and rent, are rising faster than incomes. While the recovering housing market is a boon for the economy, it is simultaneously saddling millions of Americans with additional financial burden.

9. San Diego-Carlsbad, CA
> Households able to afford monthly payments: 27.0%
> Median single-family house price: $539,800
> 2015 median household income: $67,320
> 5 yr. pop. change: 5.6%

The population of the San Diego metro area rose 5.6% between 2011 and 2016, far more than the 3.7% national growth rate. As the number of area residents grew over that five year period, the typical monthly mortgage payment in San Diego rose 41.8%, one of the largest increases of any city. Today, roughly one in seven households in the city spends more than 50% of its income on housing, one of the highest proportions in the country.

Even at a higher affordability threshold, many American households simply cannot make the cut, particularly those in some major metropolitan areas. 24/7 Wall St. reviewed the share of households spending more than 36% of their income on housing based on data from “The State of the Nation’s Housing 2017,” a report compiled by the Joint Center for Housing Studies of Harvard University. In 39 major U.S. metropolitan areas the majority of households are spending beyond their means on housing.

Click here to see the cities where Americans can’t afford their homes.
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