For many prospective homebuyers in the U.S., earning enough to pay for even an average-priced home can be a struggle (not to mention saving enough or a down payment). A new report from mortgage site HSH.com backs up that assumption.

Median home prices rose in most of the country's 27 largest metro areas, even as incomes remained stagnant. Their analysis reveals just how much someone needs to earn in order to afford the interest, taxes, and insurance on a median-priced home.

Not surprisingly, the Rust Belt provides the best bargains. The most affordable city was Pittsburgh, requiring a salary of just $32,390.09 to afford a median-priced home of $140,500. Pittsburgh was followed by Cleveland ($34,433.95) and Cincinnati ($37,179.18).

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These cities remained the most affordable despite substantial home price increases over the previous quarter. Cleveland's home prices went up 24 percent while Pittsburgh and Cincinnati's home prices went up 17 percent.