Can you afford the average new car? Probably not — even if you think you can.

Residents earning median income in all by one of 25 major U.S. cities don’t have the buying power to afford the average-priced new car or light truck and insurance for it, according to an affordability study done by Interest.com.

Only Washington, D.C., residents clear enough cash to afford spend the $633 estimated payment on $32,086, the average new car price according to Kelley Blue Book.

Denver residents can afford a car no more expensive than $22,775, or about $452 a month, about 4 percent more than last year.

Interest.com based its findings on its “20/4/10” rule — a 20 percent down payment, a loan term of no more than 48-months and the recommendation that households spend no more than 10 percent of monthly gross income on an auto loan and related insurance.

“Too many families are spending way too much on new cars and trucks,” Interest.com managing editor Mike Sante said in a news release Wednesday. “Just because you can manage the monthly payment doesn’t mean you should let a $30,000 or $40,000 ride gobble up such a huge share of your paycheck. You can get a great car for much less and use the savings to invest in yourself. Here’s where the money for your retirement or kids’ college can come from.”

Car affordability declined over the past year in Tampa and Miami, Fla. In San Antonio, Texas, buying power jumped 7 percent and Phoenix buyers can afford to spend 6 percent more per month.

Interest.com is owned by the online provider of personal finance advice and information Bankrate Inc. It offers a loan calculator at interest.com.

Here are the cities included in the survey and how much car median-income earning residents of each can afford:

1. Washington, D.C. ($32,531 affordable purchase price/$641 maximum monthly payment)

2. San Francisco ($28,009 / $563)

3. Boston ($26,669 / $520)

4. Minneapolis ($24,846 / $494)

5. Baltimore ($24,591 / $479)

6. Seattle ($23,600 / $480)

7. Portland, Ore. ($22,905 / $415)

8. Denver ($22,775 / $452)

9. San Diego ($22,175 / $442)

10. New York City ($21,907/ $441)

11. Philadelphia ($21,775 / $434)

12. Chicago ($21,409 / $434)

13. Dallas ($20,731 / $405)

14. Los Angeles ($20,637 / $416)

15. Sacramento ($20,554 / $412)

16. Houston ($20,271 / $396)

17. Milwaukee ($20,013 / $388)

18. Atlanta ($20,000 / $393)

19. St. Louis ($19,016 / $379)

20. San Antonio ($18,376 / $359)

21. Phoenix ($18,199 / $364)

22. Pittsburgh ($17,965 / $354)

23. Detroit ($17,352 / $338)

24. Miami ($15,174 / $299)

25. Tampa ($14,209 / $280)