A new analysis from Zillow underlines how difficult it is for low-income, and even middle-income buyers, to afford housing in Los Angeles.

Comparing typical rental prices to the incomes of residents in Los Angeles and Orange counties, the report finds that residents earning close to the area’s median income would have to set aside nearly 47 percent of their income—the highest amount among all 35 metro areas studied—to afford rental payments for a median-priced home or apartment.

Between 1985 and 2000, a typical rental would have required about 36 percent of a middle-earning resident’s salary.

Based on prices measured between April and June 2018, lower-income residents (which Zillow here defines as those in the bottom third of LA earners) would need to spend about 121 percent of their income to afford a typical rental, even at the bottom third of the market.

Obviously most renters aren’t able to pay more than they earn, meaning that many lower-earning residents must seek out housing in the very cheapest parts of the region or find roommates to manage the area’s high housing costs.

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The U.S. Department of Housing and Urban Development classifies those who spend more than 30 percent of their income on housing as “cost-burdened,” meaning that the cost of housing may make it difficult for them to afford other necessities, like food and healthcare.

Being cost burdened also makes it difficult to save for a down payment, should those renters want to eventually become homeowners.

According Zillow, median-priced homes in the Los Angeles metro sold for $642,200 in the second quarter of 2018, meaning a typical 20 percent down payment would cost buyers nearly $130,000.

But the up-front costs are only part of the region’s affordability problem. Median-earning residents would still need to put 45 percent of their income toward mortgage payments on a house at that price point—even after the enormous down payment.

Between 1985 and 2000, a typical buyer would have needed to set aside less than 35 percent of their income for mortgage payments.

Things are worse for buyers with lower incomes. To purchase a typical home priced in the bottom third of LA’s real estate market, lower-earning residents would need to pay out more than 83 percent of their yearly incomes to make the monthly mortgage payments.

That effectively makes buying impossible for these residents, unless they have friends or family members willing to help out with the purchase.

Typical mortgage payments for both middle- and lower-earning buyers ate up a higher share of income in Los Angeles than in all but one of the urban areas that Zillow analyzed in the report. Only in San Jose are payments less manageable.

A separate report from the real estate website found that LA has one of the lowest homeownership rates in the nation.