Unlike the average Beltway insider, a report by Interest.com claims the majority of medium-income American households in 24 of 25 cities studied cannot afford the average new-car price of $32,086.

AOL Autos reports the study focused on each city’s median income in relation to the new-car price average as pegged by Kelley Blue Book. Said price was broken down to monthly payments of $633 per month for 48 months with 20 percent down while interest, insurance and principal exceeded no more than 10 percent of the household’s gross income.

The only city out of 25 to pull off the feat? Washington, D.C., whose residents can afford the average of $32,531 on a new car, broken down to 48 monthly payments of $641. San Francisco and Boston trailed the nation’s capital, while everyone else in the remaining cities were paying too much for their new car, according to Interest.com managing editor Mike Sante:

Too many families are spending way too much on new cars and trucks. 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.

Experts recommend spending up 20 percent of take-home pay on a vehicle purchase and subsequent payments.