If you are you wondering whether you can afford to buy a home these days, HSH.com’s quarterly report might help. The report tells you how much annual income you’d need in order to qualify for a mortgage in the 50 largest metropolitan areas in the United States.

By looking at the 2019 second-quarter median home prices from the National Association of Realtors — and using the industry standard of 28 percent debt-to-income ratio to qualify prospective borrowers — it determined the earnings required to qualify for a home priced at the median in each area. (A 20 percent down payment and a fixed-rate, 30-year mortgage at current rates were assumed.)

The national median home price in the second quarter of 2019, $279,600, required an annual income of $61,123. But of course, median prices and the costs of buying a home vary by location . The following are the U.S. markets where the 10 highest and 10 lowest incomes are required to qualify for a mortgage, and what the monthly payment would be in each, including principal, interest, property taxes and homeowner’s insurance.