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The salary you need to afford a home in 20 major US cities

Emmie Martin

As housing prices continue to rise, it becomes increasingly difficult for first-time home buyers to break into the market.

But not all markets are created equal. While you'd need to make upwards of $100,000 to afford a home in San Francisco , that number drops to around $20,000 for one in Pittsburgh.

That data comes from home investment company Unison, whose recently released the Unison Home Affordability Report compares housing affordability rates in major cities across the U.S. For the report, Unison used data from the 2015 U.S. Census American Community Survey to estimate median household incomes by city and neighborhood.

To calculate home affordability, the report assumes a 10 or 20 percent down payment with associated monthly costs at a four percent mortgage rate on a 30-year fixed-rate mortgage, with a maximum allowable debt-to-income ratio of 45 percent.

Unison provided CNBC with data on the income needed to afford a typical home in major U.S. cities. Here's what you need to earn to become a homeowner everywhere from San Antonio to San Francisco.

Pittsburgh

Median home price: $133,142
Income needed for a 10 percent down payment: $22,081
Income needed for a 20 percent down payment: $18,442

San Antonio

Median home price: $140,934
Income needed for a 10 percent down payment: $23,373
Income needed for a 20 percent down payment: $19,522

New Orleans

Median home price: $188,055
Income needed for a 10 percent down payment: $31,188
Income needed for a 20 percent down payment: $26,048

Charlotte

Median home price: $193,402.50
Income needed for a 10 percent down payment: $32,075
Income needed for a 20 percent down payment: $26,789

Phoenix

Median home price: $198,679
Income needed for a 10 percent down payment: $32,950
Income needed for a 20 percent down payment: $27,520

Las Vegas

Median home price: $205,177
Income needed for a 10 percent down payment: $34,028
Income needed for a 20 percent down payment: $28,420

Minneapolis

Median home price: $220,714
Income needed for a 10 percent down payment: $36,605
Income needed for a 20 percent down payment: $30,572

Nashville

Median home price: $243,678
Income needed for a 10 percent down payment: $40,413
Income needed for a 20 percent down payment: $33,753

Chicago

Median home price: $244,651
Income needed for a 10 percent down payment: $40,575
Income needed for a 20 percent down payment: $33,888

Atlanta

Median home price: $250,855
Income needed for a 10 percent down payment: $41,603
Income needed for a 20 percent down payment: $34,747

Salt Lake City

Median home price: $255,870.50
Income needed for a 10 percent down payment: $42,435
Income needed for a 20 percent down payment: $35,442

Miami

Median home price: $278,405
Income needed for a 10 percent down payment: $46,172
Income needed for a 20 percent down payment: $38,563

Dallas

Median home price: $289,750
Income needed for a 10 percent down payment: $48,054
Income needed for a 20 percent down payment: $40,135

Denver

Median home price: $318,164
Income needed for a 10 percent down payment: $52,766
Income needed for a 20 percent down payment: $44,071

Portland

Median home price: $378,961
Income needed for a 10 percent down payment: $62,849
Income needed for a 20 percent down payment: $52,492

Seattle

Median home price: $528,387
Income needed for a 10 percent down payment: $87,631
Income needed for a 20 percent down payment: $73,189

Los Angeles

Median home price: $555,073
Income needed for a 10 percent down payment: $92,057
Income needed for a 20 percent down payment: $76,886

Boston

Median home price: $584,622
Income needed for a 10 percent down payment: $96,957
Income needed for a 20 percent down payment: $80,979

New York

Median home price: $637,703
Income needed for a 10 percent down payment: $105,761
Income needed for a 20 percent down payment: $88,332

San Francisco

Median home price: $1,296,916
Income needed for a 10 percent down payment: $215,089
Income needed for a 20 percent down payment: $179,643

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