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California dominates top 10 priciest U.S. cities for homeowners — here’s what you need to earn

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California dominates top 10 priciest U.S. cities for homeowners — here’s what you need to earn


  • California dominates US housing costs, with 9 of 10 priciest metros; San Jose leads at $11,690/month.
  • San Francisco and Los Angeles also rank high, requiring annual incomes of $358,090 and $301,221 respectively.
  • Despite a slight decline in income requirements since 2025, affordability remains a distant dream for many.

From Silicon Valley to San Diego, the Golden State boasts nine of the 10 most expensive metropolitan areas in the US for homeowners, a new report revealed.

San Jose landed in the top spot, followed by San Francisco at No. 2 and Los Angeles at No. 5.

In San Jose, monthly housing costs come out to a $11,690, a new report found. Sundry Photography – stock.adobe.com
A view of downtown San Jose, California, with the Hotel De Anza in the center, new high-rise buildings, palm trees, and a man on a bicycle. Getty Images

An analysis from ConsumerAffairs examined monthly home payments across 200 of the nation’s largest metro areas to determine the income needed to afford a home in each location.

In San Jose, that monthly cost came out to a staggering $11,690 — making it by far the the most expensive US metro for homeowners for the second year in a row.

Buyers now need to earn an eye-popping $501,012 in annual income to afford a typical property.

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Nearby San Francisco ranked the second most expensive, with monthly housing costs at $8,355. AP

That figure dwarfs the city’s actual median household income of $164,801, exceeding it by a massive 204%, according to the report. It also far surpasses the national median household income of $81,604.

With a median home price of more than $1.55 million, ownership in the Silicon Valley city remains out of reach for most residents.

Nearby San Francisco ranked the second most expensive, with monthly housing costs at $8,355 and buyers needing to earn $358,090 annually to afford a home there, the analysis found.

In Los Angeles, monthly costs averaged $7,029, with buyers needing to earn $301,221.

In Los Angeles, monthly housing costs averaged $7,029. frank peters – stock.adobe.com

The 10 most expensive metro areas in the US and their average monthly costs:

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  • 1. San Jose: $11,690
  • 2. San Francisco: $8,355
  • 3. Santa Cruz: $354,973
  • 4. Santa Maria: $305,535
  • 5. Los Angeles: $301,221
  • 6. San Diego: $293,618
  • 7. San Luis Obispo: $280,591
  • 8. Oxnard: $276,805
  • 9. Salinas: $262,403
  • 10. Honolulu, Hawaii: $255,280

The only metro outside California to crack the top 10 was Honolulu.

The divide across the country is stark.

The gap between the income needed to buy a home in San Jose compared to Huntington, West Virginia, the most affordable metro in the analysis, stood at a staggering $447,362.

Santa Cruz ranked No. 3 on the list. Anadolu via Getty Images

Despite the sky-high costs, there is a slight silver lining: Income requirements in each of the top 10 cities in the ranking declined more than the average national drop of 3.2% since 2025.

Still, affordability remains a distant dream for many Americans.

Houses on a residential street in Cupertino, California. Bloomberg via Getty Images

The last time a typical US household could comfortably follow the 28% rule — spending no more than 28% of income on housing — was in 2015, when incomes exceeded required levels by just 0.4%.

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Today, buyers need 48% more income than the median household earns nationwide.


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San Francisco, CA

This Week: S.F. management, Board Meeting, Pride Bike – Streetsblog San Francisco

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This Week: S.F. management, Board Meeting, Pride Bike – Streetsblog San Francisco


Here is a list of events this week. Tuesday/today! Management Lessons from San Francisco. This SPUR talk examines three high-stakes transformation efforts in which SF delivered measurable results for residents. Tuesday/today! May 26, 12-1:30 p.m. SPUR Urban Center, 654 Mission Street, S.F. Tuesday/tonight! San Francisco Bicycle Coalition Board Meeting. SFBike members are invited to attend all board meetings. Tuesday/tonight! May 26, 6-8 p.m. Register for Zoom link. Wednesday Pride Bike Decorating Party. Bike East Bay will be hosting a bike decorating party at the Oakland LGBTQ Community Center. Wednesday, May 27, 5-7 p.m. Oakland LGBTQ Community Center, 3207 Lakeshore Avenue, Oakland. Thursday UCSF Bike Bus. Join this group of riders for a morning commute to Mission Bay. Thursday, May 28, meet at 8 for an 8:15 a.m. roll out. Check website for start locations, additional dates, and other details. Thursday Bike Month Wrap Party/Bike to the Ballers. Join Bike East Bay on a ride to the Ballers stadium from Rockridge BART to watch Oakland’s own baseball champions with your bikey friends. Thursday, May 28, 5 p.m. Rockridge BART, 5660 College Avenue, Oakland. Saturday Flat Fix Clinic for Students and Families. Join the Safe Routes to School team at the Marina Branch Branch Library for a hands-on flat fix clinic. Saturday, May 30, 2-3 p.m. Marina Branch Public Library, 1890 Chestnut Street, S.F. Got an event we should know about? Drop us a line.



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San Francisco, CA

Alcatraz City Cruises ferry slams into SF’s Pier 31, shattering passenger windows

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Alcatraz City Cruises ferry slams into SF’s Pier 31, shattering passenger windows


SAN FRANCISCO (KGO) — A ferry carrying passengers collided with Pier 31 while docking Sunday evening, breaking multiple windows and leaving some riders shaken.

Video of the incident shows the vessel striking the pier, with several passengers saying the impact knocked people off their feet and turned a scenic trip into a frightening experience.

“He’s like, ‘Mom, I thought this was going to be the best day, but this is just the worst day ever,’” said Olivia RiosAcuña, describing her young son’s reaction. She said she booked the City Cruises tour because of her son’s love of boats. The family spent much of the day on the deck before heading downstairs as the ferry prepared to dock.

“Next thing I know, I just heard a really loud noise and the whole boat shook,” she said.

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RiosAcuña said the vessel struck the pier multiple times, shattering windows and causing panic among passengers. One woman tumbled down a staircase during the incident, she said.

“I was terrified. I was like, what on earth is going on? And then I was like, okay, who on earth is driving this boat?” she said.

Genesis Alcocer, another passenger, said she did not immediately realize the extent of the damage but feared the worst.

“For me, I was like, oh my god, we’re gonna sink. I’m not the best swimmer,” Alcocer said.

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She said crew members did not initially communicate what was happening.

“The people that worked there were not making a big deal about it, but you could tell in their face that they were panicking,” she said.

Daniel Aburto, who was also on board, questioned the crew’s experience.

“Is it your first day? That was my thought. Like, this is your first day. There’s no way, there’s no way,” he said.

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Passengers said they were kept on board for about 20 minutes before being directed to exit the ferry. RiosAcuña said she was surprised by the tone of a staff member as they disembarked.

“This guy’s like, ‘Have a great day. You guys sure had an exciting entry,’ or something like that,” she said. “I was like, exciting? More like traumatic. My kid’s still crying.”

RiosAcuña, Alcocer and Aburto said they do not plan to take another City Cruises trip anytime soon.

No injuries were reported.

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Alcatraz City Cruises provided a statement to ABC7:

On Sunday evening, an Alcatraz City Cruises vessel was involved in a docking incident upon return to Pier 31. There are no currently reported injuries, and an investigation of the incident will be conducted to determine it cause. Any impacts to service will be provided as additional information becomes available.

Copyright © 2026 KGO-TV. All Rights Reserved.



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SF 19th Avenue repavement project complete, all lanes now open: Caltrans

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SF 19th Avenue repavement project complete, all lanes now open: Caltrans


SAN FRANCISCO (KGO) — All lanes on San Francisco’s 19th Avenue have fully reopened ahead of schedule following the completion of a final, multi-round road repair project.

Northbound lanes reopened at 2:30 a.m. and southbound lanes at 6 a.m. on Monday, concluding work between Sloat Boulevard and Holloway Avenue.

The upgrades, which improved traffic flow after severe, temporary congestion, are expected to last for 20 years.

Caltrans repaves northbound 19th Ave. in San Francisco; locals, business owners brace for delays

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Caltrans’s repavement project of 19th Avenue included repairing potholes and repairing unsound pavement. It was part of a third and final round of scheduled roadwork on the busy corridor.

This weekend’s closure affected 19th Avenue between Sloat Boulevard and Holloway Avenue, and crews worked on the northbound lanes during the day and then the southbound lanes at night.

One lane stayed open for public transit, emergency responders and local traffic.

Copyright © 2026 KGO-TV. All Rights Reserved.



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