NEW YORK (TheStreet) -- Between Silicon Valley and Hollywood, it should come as no surprise that the three least-affordable cities for a home are all located in California.

In some areas around the country, earning slightly more than $30,000 may be enough to afford a house. In other, more expensive areas such as San Francisco, you might need to earn five times as much.

In Pittsburgh, for instance, homebuyers can afford a home on just $32,000, given the area's median home price of $135,000. In San Francisco, homebuyers need to earn at least $145,000; median home prices are roughly $745,000 in the Bay Area.

HSH.com, a mortgage research data Web site, analyzed fourth-quarter data to determine the minimum salary needed to afford a home in the 27 largest metro areas in the U.S.

HSH.com used data from the National Association of Realtors' fourth-quarter data for median-home prices (single family homes) as well as the average interest rate for 30-year, fixed-rate mortgages to determine how much salary it would take to afford the base cost of owning a home (principal, interest, taxes and insurance) in the 27 metro areas. HSH assumed a down payment of 20% as part of its calculation.

Here are the 10 cities in the U.S. where buying a house is hardly an affordable thing.

10. Miami
Minimum salary needed to afford a home: $58,431.48
Average interest rate (30-year mortgage): 4.09%
Median home price: $265,000

The annual mean wage for workers in the Miami-Fort Lauderdale-Pompano Beach, Fla. metro area was $43,120, according to 2013 data from the Bureau of Labor Statistics. The median household income was $46,946, according to U.S. Census Bureau data.

Tourism and international trade are big industries in South Florida but the Miami area is also home to many multinational companies' Latin American operation hubs, including SABMiller (SAB) , American Airlines (AAL) , Cisco (CSCO - Get Report) , Oracle (ORCL - Get Report) , FedEx (FDX - Get Report) , HP (HPQ - Get Report) and others. Other big employers in the area include Baptist Health South Florida and the University of Miami.

9. Portland, Ore.
Minimum salary needed to afford a home: $60,603.50
Average interest rate (30-year mortgage): 4.11%
Median home price: $288,900

The annual mean wage for workers in the Portland-Vancouver-Hillsboro, Ore. and Washington metro area was $49,440, according to 2013 data from the Bureau of Labor Statistics. The median household income was $59,168, according to U.S. Census Bureau data.

Top employers include Intel (INTC - Get Report) , Fred Meyer supermarket chain (owned by Kroger (KR - Get Report) ), the U.S. government and several prominent hospitals as well as Oregon Health & Science University, among others.

Nike (NKE - Get Report) also has its corporate headquarters in Beaverton, Ore., less than 10 miles from Portland.


8. Denver
Minimum salary needed to afford a home: $61,642.15
Average interest rate (30-year mortgage): 4.08%
Median home price: $314,800

The annual mean wage for workers in the Denver-Aurora-Broomfield, Colo., metro area was $52,110, according to 2013 data from the Bureau of Labor Statistics. The median household income was $62,760, according to U.S. Census Bureau data.

Top employers in the Denver metro area include: University of Colorado Health, Children's Hospital Colorado, Comcast (CMCSA - Get Report) , United Airlines (United Continental (UAL - Get Report) ), University of Denver, Frontier Airlines and Lockheed Martin (LMT - Get Report) , among others.

7. Seattle
Minimum salary needed to afford a home: $72,844.31
Average interest rate (30-year mortgage): 4.15%
Median home price: $352,000

The annual mean wage for workers in the Seattle-Bellevue-Everett, Wash., metro area was $58,990, according to 2013 data from the Bureau of Labor Statistics. The median household income in 2013 for Seattle was $67,479, according to U.S. Census Bureau data.

Seattle is a hotbed of employment with aerospace, information technology, clean technology, health care and other industries there. Companies including Boeing (BA - Get Report) , Amazon (AMZN - Get Report) , Microsoft (MSFT - Get Report) , as well as the Defense Department are big employers in the area.

6. Washington, D.C.
Minimum salary needed to afford a home: $77,394.82
Average interest rate (30-year mortgage): 3.98%
Median home price: $372,800

The annual mean wage for workers in the Washington, D.C.-Arlington-Alexandria (which includes parts of Virginia, Maryland and West Virginia) metro area was $64,260, according to 2013 data from the Bureau of Labor Statistics. The median household income was $90,149, according to U.S. Census Bureau data.

Clearly the federal government is the area's largest employer, but plenty of private-sector employers have also set up shop in the greater D.C. area. Defense contractors like Lockheed Martin (based in Bethesda, Md.), General Dynamics (GD - Get Report) and Northrop Grumman (NOC) (both based in Falls Church, Va.), have a large presence there. Other big public companies like Marriott International (MAR - Get Report) and Leidos Holdings (LDOS - Get Report) are just a few that have operations there.

5. Boston
Minimum salary needed to afford a home: $80,049.93
Average interest rate (30-year mortgage): 4.05%
Median home price: $383,200

The annual mean wage for workers in the Boston-Cambridge-Quincy, Mass. (which includes parts of New Hampshire) metro area was $59,080, according to 2013 data from the Bureau of Labor Statistics. The median household income was $72,907, according to U.S. Census Bureau data.

Health care and social assistance, financial services and insurance and educational services are the top three industries in the area, with professional, scientific and technical services, and accommodation and food services as other dominant industries.

Massachusetts General Hospital, Brigham and Women's Hospital and Boston University are the top three employers, with Boston Children's Hospital and State Street (STT - Get Report) rounding out the top five employers for Boston.

4. New York City
Minimum salary needed to afford a home: $87,535.60
Average interest rate (30-year mortgage): 4.22%
Median home price: $390,000

The annual mean wage for workers in the New York-Northern New Jersey-Long Island metro area was $58,010 according to 2013 data from the Bureau of Labor Statistics. The median household income in New York City was $65,786, according to U.S. Census Bureau data.

Despite the plethora of multinational companies operating out of New York, the area's largest employers are several hospitals, the federal and state government and the Metropolitan Transportation Authority, which runs not only the city's subway and public transportation system but the outlying area trains and buses as well. On Wall Street, JPMorgan (JPM - Get Report) and Citigroup (C - Get Report) are top employers.

3. Los Angeles
Minimum salary needed to afford a home: $89,664.86
Average interest rate (30-year mortgage): 4.07%
Median home price: $450,900

The annual mean wage for workers in the Los Angeles-Long Beach-Santa Ana, Calif., metro area was $52,610 according to 2013 data from the Bureau of Labor Statistics. The median household income was $58,869, according to U.S. Census Bureau data.

The entertainment industry clearly is the obvious industry in Hollywood - Walt Disney being one of the biggest employer, however other big private-sector companies have a presence in L.A. including DirectTV  (DTV) , CBRE Group (CBG) , Occidental Petroleum (OXY - Get Report)  and Aecom Technology (ACM - Get Report)  to name a few.

 


2. San Diego
Minimum salary needed to afford a home: $95,432.68
Average interest rate (30-year mortgage): 4.07%
Median home price: $493,100

The annual mean wage for workers in the San Diego-Carlsbad-San Marcos, Calif., metro area was $51,890 according to 2013 data from the Bureau of Labor Statistics. The median household income was $61,426, according to U.S. Census Bureau data.

The United States Navy has a large presence in San Diego. It is houses numerous health care institutions, and is home to Qualcomm (QCOM - Get Report) , among other industries.

1. San Francisco
Minimum salary needed to afford a home: $142,448.33
Average interest rate (30-year mortgage): 4.02% (jumbo rate)
Median home price: $742,900

The annual mean wage for workers in the San Francisco-San Mateo-Redwood City, Calif. metro area was $67,410 according to 2013 data from the Bureau of Labor Statistics. The median household income was $79,624, according to U.S. Census Bureau data.

San Francisco area may be known for its proximity to tech mecca Silicon Valley, with Google (GOOGL - Get Report) , Apple (AAPL - Get Report) and Yahoo! (YHOO) all located there, but Kaiser Permanente, University of California, Berkeley, Safeway and Macy's (M - Get Report) are other employers that also have a big presence in the Bay Area.