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The salary you must earn to buy a home in 25 cities


San Francisco

Mortgage rate: 4.28 percent

  • Quarterly change: -0.40 percent

Home price: $682,410

  • Quarterly change: -3.20 percent
  • YOY change: +15 percent

Monthly payment: $2,695.23

Salary: $115,510.06

  • Quarterly change: -$9,562

San Francisco had the lowest mortgage rates on our list, and rates in the City by the Bay also saw the largest quarterly decline, nearly half a percentage point. Add in a price decline and buyers could make nearly $10,000 less in the fourth quarter and still afford to buy.

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