Least-affordable metro areas

1. SAN JOSE-SUNNYVALE-SANTA CLARA, CALIF.

Median home price: $1.27 million

Median household income: $110,040

Principal and interest payment: $4,898 (53.4% of monthly income) This is the only major metro area in this analysis with a six-figure median household income. But it’s also the only metro with a sevenfigure median home price.

2. SAN FRANCISCO-OAKLAND-HAYWARD, CALIF.

Median home price: $920,000

Median household income: $96,677

Principal and interest payment: $3,548 (44% of monthly income) With a median home price of almost $1 million, homes in the Bay Area are hard to afford.

3. HONOLULU

Median home price: $760,600

Median household income: $80,513

Principal and interest payment: $2,933 (43.7% of monthly income) Honolulu is one of the hottest housing markets for international buyers, with Canada, Australia, Germany, Japan and the United Kingdom leading the pack.

4. SAN DIEGO-CARLSBAD, CALIF.

Median home price: $610,000

Median household income: $70,824

Principal and interest payment: $2,352 (39.9% of monthly income) San Diego is also a top destination for foreign buyers, led by Canada, Mexico, the U.K., Japan and Germany.

5. BOULDER

Median home price: $546,400

Median household income: $74,615

Principal and interest payment: $2,107 (33.9% of monthly income) The population of the Boulder area grew by almost 24,000 from 2010-16, to 313,961. It’s home to the University of Colorado, where about 30,000 students are enrolled.