In Only 13 Major Markets Can You Afford a Home on 5 Figures Now

If you make less than six figures and you want to buy a home in a major city, your options are dwindling.

From coast to coast, there are only a baker’s dozen worth of metros where folks on a five-figure income can afford a home, according to a new analysis by Redfin.

To buy the typical U.S. home, you need to earn at least $114,000. Thanks to today’s slightly lower mortgage rates, that is actually an improvement over October, when the figure was $121,000.

But it still leaves a huge swath of the population unable to afford a typical home — unless they live in one of the following 13 cities.

13. Columbus, Ohio

Household income needed to afford the median-priced home in this metro: $94,716

Median home sale price in this metro: $321,450 as of February

If you love to network, Columbus is a great place to be. The capital city of Ohio is within a 10-hour drive to nearly half of the people in the United States and one-third of the folks in Canada.

12. San Antonio, Texas

Household income needed to afford the median-priced home in this metro: $91,443

Median home sale price in this metro: $295,000 as of February

Not only is San Antonio home to the Alamo — originally called the Mission San Antonio de Valero — but you will find four additional Spanish colonial missions in this Texas city: Mission San Jose, Mission Espada, Mission San Juan Capistrano and Mission Concepcion.

11. Virginia Beach, Virginia

Household income needed to afford the median-priced home in this metro: $90,139

Median home sale price in this metro: $325,000 as of February

Virginia Beach more than lives up to its name: Its stretch of sand rolls on for more than two dozen miles and is the longest pleasure beach in the world.

10. Kansas City, Missouri

Household income needed to afford the median-priced home in this metro: $86,685

Median home sale price in this metro: $305,000 as of February

Kansas City is the birthplace of Mickey Mouse, the multiplex movie theater and Hallmark greeting cards. Hallmark itself also invented decorative wrapping paper.

9. Milwaukee, Wisconsin

Household income needed to afford the median-priced home in this metro: $80,120

Median home sale price in this metro: $275,000 as of February

The downtown Milwaukee Theater District has 15,000 theater seats. That means the area ranks No. 1 for theater seats per capita in the United States.

8. Cincinnati, Ohio

Household income needed to afford the median-priced home in this metro: $78,026

Median home sale price in this metro: $274,000 as of February

Three U.S. presidents — Ulysses S. Grant, Benjamin Harrison and William Howard Taft — were born in the Cincinnati area. A fourth — William Henry Harrison — lived in the Ohio city after his presidency was over.

7. Warren, Michigan

Household income needed to afford the median-priced home in this metro: $77,973

Median home sale price in this metro: $285,000 as of February

Warren is home to the General Motors Technical Center. That means the Michigan city has played a key role in the evolution of the automobile.

6. Indianapolis

Household income needed to afford the median-priced home in this metro: $77,943

Median home sale price in this metro: $281,750 as of February

By some accounts, the first loaves of sliced bread appeared on store shelves in Indianapolis. Wonder Bread made its debut in Indiana’s capital city in 1921.

Wonder Bread earned its moniker after an executive at the Taggart Baking Co. was filled with “wonder” while enjoying the International Balloon Race at the Indianapolis Speedway.

5. Philadelphia

Household income needed to afford the median-priced home in this metro: $73,182

Median home sale price in this metro: $255,000 as of February

Mural Arts Philadelphia is the largest public art program in America. Each year, it helps to foster dozens of public art projects in communities across Pennsylvania’s largest city.

4. St. Louis

Household income needed to afford the median-priced home in this metro: $66,755

Median home sale price in this metro: $235,000 as of February

St. Louis was home to the nation’s first gas station. Alas, the Missouri city also has the dubious honor of having been the site of America’s first traffic accident.

3. Pittsburgh

Household income needed to afford the median-priced home in this metro: $61,603

Median home sale price in this metro: $210,500 as of February

Pittsburgh has 446 bridges — more than you will find in Venice, Italy. The Pennsylvania city is the largest inland port in the United States.

2. Cleveland

Household income needed to afford the median-priced home in this metro: $58,186

Median home sale price in this metro: $199,000 as of February

When the lights went on in the Public Square in Cleveland, Ohio, in 1879, it became the first city lit by electricity.

1. Detroit

Household income needed to afford the median-priced home in this metro: $46,168

Median home sale price in this metro: $165,000 as of February

In 1879, Detroit became the first city to move beyond the “party line” and create individual phone numbers.