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? In some high-priced communities, people who provide the bulk of vital services – teachers, firefighters, police officers, retail sales workers and restaurant workers – cannot afford to live in the communities they serve. 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 60 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.

Media Release:
DESPITE DECLINING HOME PRICES, MOST OF THE JOBS CREATED THROUGH THE STIMULUS DO NOT PAY ENOUGH TO AFFORD A HOME

A Closer Look – Homeownership and Rental Affordability in More Than 200 U.S. Metropolitan Areas:

Paycheck to Paycheck 2009 Executive Summary – How Affordable is Housing for U.S. Workers?

Fact Sheet – Most to Least Expensive Homeownership Markets in 2007 and 2008
Fact Sheet – Most to Least Expensive Rental Markets in 2007 and 2008
Fact Sheet – Changes in the Qualifying Income Needed to Purchase a Home from 2007 to 2008
Fact Sheet – Changes in Florida Rental Market Rankings from 2007 to 2008

Frequently Asked Questions About Paycheck to Paycheck

The Center gratefully acknowledges the support of Freddie Mac for this research.

Data presented below are for the 4th Quarter of 2008.

Start by selecting one of 210 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, INIthaca, NYJackson, 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, MOSpringfield, 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 65 occupations.

--Select an Occupation--AccountantAdministrative Asst.Assemblyline WorkerAuto MechanicBank TellerBilling ClerkBookkeeping ClerkCarpenterCashierChild Care WorkerCivil EngineerConstruction LaborerConstruction ManagerCustomer Service Rep.Data Entry KeyerDelivery Truck DriverDental AssistantDishwasherElectricianElem. School TeacherEquipment OperatorFamily Social WorkerFarmworkerFast Food CookFire FighterFood Prep WorkerGeneral ManagerGraphic DesignerGroundskeeperHairdresserHome Health AideHousekeeperJanitorLaundry WorkerLibrarianLoan OfficerLonghaul Truck DriverMachinistMaint./Repair WorkerNews ReporterNurse (LPN)Nurse (Registered)Nursing AideOffice ClerkPackager (Manual)ParalegalParking Lot AttendantPhysical TherapistPlumberPolice OfficerPreschool TeacherPrison GuardReceptionistRetail SalespersonSchool Bus DriverSec. School TeacherSecretarySecurity GuardSoftware ProgrammerStock ClerkStock Mover (Manual)TelemarketerUrban PlannerWait StaffWelder

Click here for FAQs about Paycheck to Paycheck.
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/.
    First quarter 2005: www.nhc.org/chp/p2p_2005_q1/.
    Third quarter 2005: www.nhc.org/chp/p2p_2005_q3/.
    Third quarter 2006: www.nhc.org/chp/p2p_2006_q3/.
    Third quarter 2007: www.nhc.org/chp/p2p_2007_q3/.
* In a few select cases, 2003 and 2005 wage data may not be comparable due to a change in methodology.

Please note the database is best viewed by the most recent versions of available Internet browsers.