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5 US states where you need to make about $100,000 to...

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 almost or over $100,000 a year to afford the average home: Minimum annual income: $153,520 Average home value: $610,000 Minimum annual income: $120,120 Average home value: $499,900 Minimum annual income: $101,320 Average home value: $419,900 Minimum annual income: $100,200 Average home value: $415,000 Minimum annual income: $91,720 Average home value: $379,000 "Our map creates a quick snapshot of housing affordability across the United States," according to How Much. If you're thinking of buying a home, check out these tips to get started. Like this story? Like CNBC Make It on Facebook!