In San Francisco, the dream of home ownership is increasingly becoming something only the rich can attain. The uber-rich.

We crunched the numbers on the bare minimum annual income you'd need to earn to pay a mortgage on a home in 19 San francisco neighborhoods. The figure roughly factors in property taxes and homeowners insurance, but does not include living expenses, utilities or transportation costs. It also assumes the home is turnkey ready and doesn't need any maintenance, upgrades or expensive remodeling.