Wages and the Cost of Housing in America

When it comes to the health and vitality of America's communities, affordable housing is key. And where it is lacking, the challenges are formidable. Local governments deal with overcrowding and congestion. Employers struggle to attract and retain the labor force so vital to their bottom line. Low- to moderate-income working families work longer hours, endure long commutes, or cut back on basic necessities in order to pay for housing.

Who are among the ranks of America's workers struggling to afford housing? Throughout much of the country, people who provide the bulk of services and workers in jobs targeted by veterans' training programs—carpenters, dental assistants, electricians, firefighters and truck drivers—cannot afford to live in the communities where they work. In high-priced communities, teachers, police officers, nurses, and accountants do not earn enough to afford typical rents or home prices. Even in more moderately-priced communities, people who work a full-time job pay an excessive portion of their income for housing.

About Paycheck to Paycheck

In this revised and updated version of its online, interactive database Paycheck to Paycheck, the Center for Housing Policy presents wage information for more than 70 occupations and home prices and rents for more than 200 metropolitan areas. Paycheck to Paycheck utilizes consistent measures of wages and housing costs so you can:

• See how workers in your metropolitan area are faring in the housing market;
• View the big picture for housing affordability for working families in various occupations across the country; and
• Use these analyses as a template to examine wages and housing costs in neighborhoods in your community.
• Note: The National Association of Realtors revised their median home price for 1Q 2011 in Sioux Falls, SD from $147,000 to $138,300. This analysis reflects that change.

A Closer Look — Paycheck to Paycheck 2012

Media Release: Returning veterans struggle to cover housing costs in many U.S. metros

Paycheck to Paycheck 2012 Report: Can veterans afford housing in your community?

Rankings for More Than 200 U.S. Metropolitan Areas:

Fact Sheet — Most to Least Expensive Homeownership Markets
Fact Sheet — Most to Least Expensive Rental Markets
Fact Sheet — Homeownership Affordability Index
Fact Sheet — Rental Affordability Index
Fact Sheet — Changes in the Qualifying Income Needed to Purchase a Home

Frequently Asked Questions About Paycheck to Paycheck

The Center for Housing Policy gratefully acknowledges the support of the John D. and Catherine T. MacArthur Foundation in funding Paycheck to Paycheck: Wages and the Cost of Housing in America.  Any opinions or conclusions expressed, however, are those of the author alone.

Paycheck to Paycheck

Data presented below are for the 1st Quarter of 2012.

Start by selecting one of 208 metropolitan areas.

--Select a Metropolitan Area--NationwideAkron, OHAlbany, NYAlbuquerque, NMAllentown, PAAmarillo, TXAnchorage, AKAnn Arbor, MIAppleton, WIAsheville, NCAtlanta, GAAtlantic, NJAustin, TXBakersfield, CABaltimore, MDBarnstable, MABaton Rouge, LABattle Creek, MIBay City, MIBeaumont, TXBellingham, WABethesda, MDBirmingham, ALBoise City, IDBoston, MABoulder, COBremerton, WABridgeport, CTBrownsville, TXBuffalo, NYBurlington, VTCambridge, MACamden, NJCanton, OHCape Coral, FLCedar Rapids, IAChampaign-Urbana, ILCharleston, WVCharleston, SCCharlotte, NCChattanooga, TNChicago, ILChico, CACincinnati, OHCleveland, OHColorado Springs, COColumbia, SCColumbus, OHCorpus Christi, TXDallas, TXDavenport, IADayton, OHDaytona Beach, FLDenver, CODes Moines, IADetroit, MIDuluth, MNDurham, NCEdison, NJEl Paso, TXErie, PAEugene, ORFargo, NDFayetteville, NCFlagstaff, AZFlint, MIFort Collins, COFort Lauderdale, FLFort Walton Beach, FLFort Wayne, INFort Worth, TXFresno, CAGainesville, FLGary, INGrand Rapids, MIGreeley, COGreen Bay, WIGreensboro, NCGreenville, SCGulfport, MSHagerstown, MDHarrisburg, PAHartford, CTHonolulu, HIHouston, TXIndianapolis, INJackson, MSJacksonville, FLKalamazoo, MIKansas City, MOKennewick, WAKnoxville, TNLancaster, PALansing, MILas Vegas, NVLexington, KYLima, OHLincoln, NELittle Rock, ARLos Angeles, CALouisville, KYMadera, CAMadison, WIManchester, NHMansfield, OHMemphis, TNMerced, CAMiami, FLMilwaukee, WIMinneapolis-St. Paul, MNMobile, ALModesto, CAMonroe, MIMontgomery, ALNapa, CANaples, FLNashville, TNNewark, NJNew Haven, CTNew Orleans, LANew York, NYNorwich, CTOakland, CAOcala, FLOcean City, NJOgden, UTOklahoma City, OKOlympia, WAOmaha, NEOrlando, FLOxnard, CAPalm Bay, FLPensacola, FLPeoria, ILPhiladelphia, PAPhoenix, AZPittsburgh, PAPittsfield, MAPortland, MEPortland, ORPort St. Lucie, FLPoughkeepsie, NYProvidence, RIProvo-Orem, UTPueblo, COPunta Gorda, FLRaleigh, NCReading, PARedding, CAReno, NVRichmond, VARiverside, CARochester, NYRockford, ILRockingham-Strafford, NHSacramento, CASaginaw, MISt. Louis, MOSalem, ORSalinas, CASalisbury, MDSalt Lake City, UTSan Antonio, TXSan Diego, CASan Francisco, CASan Jose, CASan Luis Obispo, CASanta Ana, CASanta Barbara, CASanta Cruz, CASanta Fe, NMSanta Rosa, CASarasota, FLScranton, PASeattle, WAShreveport, LASioux Falls, SDSouth Bend, INSpartanburg, SCSpokane, WASpringfield, ILSpringfield, MASpringfield, OHStockton, CASuffolk-Nassau, NYSyracuse, NYTacoma, WATallahassee, FLTampa, FLToledo, OHTopeka, KSTrenton, NJTucson, AZTulsa, OKVallejo, CAVineland, NJVirginia Beach, VAVisalia, CAWarren, MIWashington, DCWaterloo, IAWest Palm Beach, FLWheeling, WVWichita, KSWilmington, DEWinston-Salem, NCWorcester, MAYoungstown, OHYuba City, CA

- OR - Start by selecting one of 74 occupations.

--Select an Occupation--AccountantAdministrative Asst.Assemblyline WorkerAuto MechanicBank TellerBilling ClerkBookkeeping ClerkCarpenterCashierChild Care WorkerCivil EngineerConstruction LaborerConstruction ManagerCustomer Service Rep.Data Entry KeyerDelivery Truck DriverDental AssistantDental HygienistDishwasherElec. Engineering TechElectricianElem. School TeacherEnviron. Engineering TechEquipment OperatorFamily Social WorkerFarmworkerFast Food CookFire FighterFood Prep WorkerGeneral ManagerGraphic DesignerGroundskeeperHairdresserHelp Desk SupportHome Health AideHousekeeperHVAC MechanicInsulation WorkerJanitorLaundry WorkerLegal SecretaryLibrarianLoan OfficerLonghaul Truck DriverMachinistMail CarrierMaint./Repair WorkerNews ReporterNurse (LPN)Nurse (Registered)Nursing AideOffice ClerkPackager (Manual)ParalegalParking Lot AttendantPhysical TherapistPlumberPolice OfficerPreschool TeacherPrison GuardReceptionistRetail Assistant ManagerRetail SalespersonSchool Bus DriverSec. School TeacherSecretarySecurity GuardSoftware ProgrammerStock ClerkStock Mover (Manual)TelemarketerUrban PlannerWait StaffWelder

To learn how to do your own Paycheck to Paycheck analysis, click here.

You may also view our earlier findings:
    2003: www.nhc.org/chp/p2p_2003/index.php.
    First quarter 2005: www.nhc.org/chp/p2p_2005_q1/index.php.
    Third quarter 2005: www.nhc.org/chp/p2p_2005_q3/index.php.
    Third quarter 2006: www.nhc.org/chp/p2p_2006_q3/index.php.
    Third quarter 2007: www.nhc.org/chp/p2p_2007_q3/index.php.
    Fourth quarter 2008: www.nhc.org/chp/p2p_2008_q4/index.php.
    Fourth quarter 2009: www.nhc.org/chp/p2p_2009_q4/index.php.
    First quarter 2011: www.nhc.org/chp/p2p_2011_q1/index.php.
    Third quarter 2011: www.nhc.org/chp/p2p_2011_q3/index.php.
* In a few select cases, 2003 and 2005 wage data may not be comparable due to a change in methodology.

Paycheck to Paycheck can be viewed using a recent internet browser.
For First quarter 2011 findings and earlier, Flash support is required and we recommend Internet Explorer for printing the chart pages.