The median U.S. home value is $210,200 but, in states like Hawaii, that number can rise considerably, putting home-ownership further out of reach. Financial website How Much used data from real-estate site Zillow to collect average home prices for every state to find the minimum income needed to afford a place there and found that, in some places, the income necessary is almost or over six figures.

How Much used a mortgage calculator to calculate monthly payments, which consist of the principal and the interest for an assumed home loan. “The interest rate we used varied from 4-to-5 percent in each state, depending on the market. The lower the interest rate, the lower the monthly payment. To keep things simple, we assumed buyers could contribute a 10 percent down payment.”

Based on that data, here are the top five states where you need to make…