The U.S. Census recommends Americans spend no more than 30% of their income on housing costs per month. Still, an estimated 19 million U.S. households spend over 50% of their income on housing.

As the United States continues to recover from the housing crisis and recession, housing costs, including home prices and rent, are rising faster than incomes. While the recovering housing market is a boon for the economy, it is simultaneously saddling millions of Americans with additional financial burden.

23. Miami-Fort Lauderdale-West Palm Beach, FL
> Households able to afford monthly payments: 44.0%
> Median single-family house price: $282,300
> 2015 median household income: $50,441
> 5 yr. pop. change: 6.5%

Although Miami has some of the most expensive homes in the country, incomes are not that high across the metro area. The typical Miami household earns $50,441 a year, about $5,000 less than the national median household income. Despite the lower incomes, the typical single-family home in the Miami metro area costs $282,300, nearly $47,000 more than the U.S. median home value and nearly six times the city’s estimated 2016 median household income — one of the highest such ratios nationwide.

Even at a higher affordability threshold, many American households simply cannot make the cut, particularly those in some major metropolitan areas. 24/7 Wall St. reviewed the share of households spending more than 36% of their income on housing based on data from “The State of the Nation’s Housing 2017,” a report compiled by the Joint Center for Housing Studies of Harvard University. In 39 major U.S. metropolitan areas the majority of households are spending beyond their means on housing.

Click here to see the cities where Americans can’t afford their homes.
Click here to see our detailed findings and methodology.