NEW YORK (TheStreet) -- Most Americans want to live in a nice place, but that often means spending more on housing than they can really afford. Here are 10 places around the country where the living is great but takes a huge chunk out of your paycheck. 

Take Duarte, Calif. (91008), for instance. Its 1,122 residents pay a median of $2,000 a month in rent and the median home price there is $952,100. Further, those who own homes pay about 30% of their paychecks each month to maintain them while those who rent pay about 50% of their paychecks to do so -- rates that are among the highest in the nation. 

Real estate company Movoto combed through about 28,000 U.S. zip codes that had enough data available (there are about 43,000 total U.S. zip codes) and then ranked the zip codes that had the highest rents and median home prices as well as the highest percentage of income used to pay for those living costs. 

Here are the top-ten zip codes in the U.S. where people want to live but can't really afford it, ranked least expensive to most expensive. 


10. Seal Beach, Calif. (90743) -- surfer community

Median home price is above $1,000,000 and median rent is more than $2,000. Locals who own spend 38% of their incomes on home costs and those who rent spend 41.7% on rent. 

9. Hanalei, Hawaii (96714) -- paradise

Median home price is above $1,000,000 and median rent is around $1,245. Locals who own spend nearly 40% of their incomes on home costs and those who rent spend 50% on rent.

8. Atlantic Beach, NY (11509) -- beach resort island for New York City

Median home price is above $760,000 and median rent is nearly $1,400. Locals who own spend about a third of their incomes on home costs and those who rent spend 50% on rent.

7. Angelus Oaks, Calif. (92305) -- ski and snowboard community

Median home price is about $766,000 and median rent is above $1,300. Locals who own spend about half of their incomes on home costs and those who rent spend the same proportion on rent.

6. Chino, Calif. (91708) -- sleepy Los Angeles suburb

Median home price is about $413,000 and median rent is above $2,000. Locals who own spend nearly 38% of their incomes on home costs and those who rent spend 50% on rent.

5. East Hampton, NY (11937) -- summer getaway for the rich and famous

Median home price is about $834,000 and median rent is nearly $1,900. Locals who own spend nearly 28% of their incomes on home costs and those who rent spend 50% on rent. 

4. Chula Vista, Calif. (91914) -- natural getaway

Median home price is about $474,000 and median rent is more than $2,000. Locals who own spend more than a third of their incomes on home costs and those who rent spend 50% on rent. 

3. Brookdale, Calif. (95007) -- Bay-Area suburb

Median home price is about $515,000 and median rent is over $2,000. Locals who own spend more than a third of their incomes on home costs and those who rent spend 50% on rent.

2. Albertson, NY (11507) -- New York suburb

Median home price is about $612,000 and median rent is over $2,000. Locals who own spend about a third of their incomes on home costs and those who rent spend 50% on rent. 

1. Duarte, Calif. (91008) -- Los Angeles neighborhood

Median home price is about $952,000 and median rent is over $2,000. Locals who own spend about a third of their incomes on home costs and those who rent spend 50% on rent.


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