4. Long Beach, Calif.
Median listing price: $549,900
Percentage of households that can’t afford a home: 73.5 percent
Homeownership might be out of reach for an even larger percentage of households in this Southern California city than in nearby LA. Although the median listing price in Long Beach is $200,000 lower than in LA, a smaller percentage of households earn enough to afford the monthly mortgage payment of $2,330 for a median-priced home. It would take an annual income of $93,200.