9. Oakland, Calif.
Median listing price: $605,000
Percentage of households that can’t afford a home: 65.7 percent
Compared with neighboring San Francisco, homes in Oakland are a bargain. But the median listing price still is too high for more than 65 percent of households to afford a home. It would take a $102,280 annual income to pay the $2,557 monthly mortgage for a median-priced home. But the median household income in Oakland is $68,060.