1. San Francisco
Median listing price: $1,199,000
Percentage of households that can’t afford a home: 76.7 percent
San Francisco actually is one of the major U.S. cities with the biggest cost-of-living decrease in 2018. However, home prices still are high — the highest on this list. You’d have to earn $200,080 a year to comfortably cover a monthly mortgage of $5,002 on a home with a median listing price of $1.19 million. However, the median household income in San Francisco is $103,801.