• Residents in 16 cities across America are spending a higher share of their income on rent than the national level, according to Zillow.
  • It's toughest for low-income earners.
  • Home prices have increased faster than incomes since the recession, and rising mortgage rates are making the market more expensive.

Housing is getting more unaffordable across America.

That's largely because since the recession, home prices have been rising faster than incomes, and builders aren't able to keep up with the demand for affordable housing.

It's affecting both homeowners who pay mortgages and people who rent. According to Zillow, the median US rent requires 28.4% of the median income, up from the historic average of 25.8%.

The financial burden is worst for low-income renters. In Los Angeles for example, rent costs more than 100% of the typical income for the lowest-earning residents. "That leaves few options to realistically afford rent and other expenses on a typical income, outside of a housing subsidy, doubling up with roommates or taking on a second or even a third job to help make ends meet," Zillow said in its report.

The list below, based on Zillow's data, highlights the US cities where the share of income spent on rent during the second quarter was higher than the overall national level of 28.40%, and is ranked from the least to the most. Financial planners generally recommend spending no more than 30% of gross income on rent.

In all 16 cities, renters are spending more of their money on housing than the historic trend.

Dallas-Fort Worth, Texas

Median income: $54,876

Share of income spent on rent: 28.40%

Historic share of income spent on rent (1985-2000): 21.8%

Sources: Zillow, Census Bureau

Houston, Texas

Houston, Texasf11photo/Shutterstock

Median income: $47,010

Share of income spent on rent: 28.80%

Historic share of income spent on rent (1985-2000): 24.40%

Sources: Zillow, Census Bureau

Portland, Oregon

Portland, OregonShutterstock

Median income: $58,423

Share of income spent on rent: 29.90%

Historic share of income spent on rent (1985-2000): 23.50%

Sources: Zillow, Census Bureau

Seattle, Washington

Seattle, WashingtonElaine Thompson/AP

Median income: $74,458

Share of income spent on rent: 30.90%

Historic share of income spent on rent (1985-2000): 23.80%

Sources: Zillow, Census Bureau

Tampa, Florida

Tampa, FloridaRamunas Bruzas/Shutterstock

Median income: $45,874

Share of income spent on rent: 31%

Historic share of income spent on rent (1985-2000): 27.60%

Sources: Zillow, Census Bureau

Orlando, Florida

Median income: $44,007

Share of income spent on rent: 31.50%

Historic share of income spent on rent (1985-2000): 22.70%

Sources: Zillow, Census Bureau

Denver, Colorado

Denver, ColoradoEdgeOfReason/Shutterstock

Median income: $56,258

Share of income spent on rent: 32%

Historic share of income spent on rent (1985-2000): 23.60%

Sources: Zillow, Census Bureau

Sacramento, California

Median income: $52,071

Share of income spent on rent: 32.40%

Historic share of income spent on rent (1985-2000): 31.80%

Sources: Zillow, Census Bureau

Boston, Massachusetts

Boston, MassachusettsSean Pavone/Shutterstock

Median income: $58,516

Share of income spent on rent: 32.70%

Historic share of income spent on rent (1985-2000): 26.40%

Sources: Zillow, Census Bureau

San Jose, California

Median income: $90,303

Share of income spent on rent: 35.60%

Historic share of income spent on rent (1985-2000): 26.10%

Sources: Zillow, Census Bureau

Riverside, California

Median income: $58,979

Share of income spent on rent: 36.80%

Historic share of income spent on rent (1985-2000): 32.70%

Sources: Zillow, Census Bureau

New York, New York

Median income: $55,191

Share of income spent on rent: 37.70%

Historic share of income spent on rent (1985-2000): 26.30%

Sources: Zillow, Census Bureau

San Francisco, California

Median income: $87,701

Share of income spent on rent: 39.20%

Historic share of income spent on rent (1985-2000): 30.60%

Sources: Zillow, Census Bureau

San Diego, California

San Diego, CaliforniaShutterstock

Median income: $68,117

Share of income spent on rent: 40.30%

Historic share of income spent on rent (1985-2000): 34.70%

Sources: Zillow, Census Bureau

Miami-Fort Lauderdale, Florida

Miami-Fort Lauderdale, FloridaJoe Raedle/Getty Images

Median income: $41,645

Share of income spent on rent: 40.30%

Historic share of income spent on rent (1985-2000): 28.60%

Sources: Zillow, Census Bureau

Los Angeles-Long Beach-Anaheim, California

Los Angeles-Long Beach-Anaheim, CaliforniaShutterstock

Median income: $55,151

Share of income spent on rent: 46.90%

Historic share of income spent on rent (1985-2000): 36.30%

Sources: Zillow, Census Bureau

-- This post originally appeared on Business Insider.

Published on: Sep 7, 2018