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In the market for a home? Mortgage site HSH.com has updated its estimate of how much annual income a household would need to buy a home in major metropolitan areas in the US, according to first-quarter 2016 data.

The site highlights a few differences from last quarter:

• The Denver metro area has made a significant price surge — more so than any other analyzed

• Seattle is more affordable than the Washington DC metro area for the first time in the site’s years of analysis

The site looked at median home prices from the National Association of Realtors. It took into account interest rates for common 30-year fixed-rate mortgages and property taxes and insurance costs to figure out how much money it would take to pay a median-priced home’s mortgage, taxes, and insurance in each city, and how much you’d have to earn to afford it.

HSH.com emphasizes that this is only the base cost of owning a home — maintenance and other incidentals aren’t included in its calculations.

The site also calculated how it would change the salary needed to buy a home if a buyer were to put 10% down instead of the recommended 20%. No matter where you are, putting down less makes things more expensive — you can visit HSH.com to see both numbers.

Salaries are listed from lowest to highest needed, and are rounded to the nearest $500.

19. San Antonio
Google Maps

Population: 1,409,000

Median Home Price: $195,500

Monthly Mortgage Payment: $1,096

Salary Needed to Buy: $47,000

18. Orlando
Google Maps

Population: 255,483

Median Home Price: $207,600

Monthly Mortgage Payment: $1,112

Salary Needed to Buy: $45,500

17. Minneapolis
Google Maps

Population: 407,207

Median Home Price: $222,800

Monthly Mortgage Payment: $1,154

Salary Needed to Buy: $49,500

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