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Millennials are eager to move to places where they can find good jobs and affordable homes — which means they have to cross a lot of U.S. cities off their lists when they’re deciding where to settle down, take out mortgages and become homeowners.

Seattle? See ya later. New York? Fuhgeddaboudit!

The National Association of Realtors says millennials can afford just 23% of homes in America’s 100 largest metro areas, and in the top 10, it’s only 17%.

Here are the 40 metro areas that the Realtors say are most out of reach for millenial homebuyers, counting down to the place where 20- and 30-somethings can afford just 2% of houses on the market.

Millennial median incomes come from 2017 census data, jobs data is from the U.S. Bureau of Labor Statistics, and median home prices are from the National Association of Realtors, unless otherwise noted.

40. Jacksonville, Florida

Jacksonville, Florida, USA and skyline.
Sean Pavone / Shutterstock

Millennials can afford to buy just 19% of homes listed for sale in the Jacksonville metro area, which includes the city and surrounding counties.

The median selling price of a home here is $255,000.

Millennials in Jacksonville earn a median income of $51,200 a year.

The local unemployment rate is 3.5%, and jobs have been growing at a rate of 1.8% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

39. Charleston, South Carolina

Charleston, South Carolina, USA cityscape in the historic French Quarter.
Sean Pavone / Shutterstock

Millennials can afford to buy just 19% of homes listed for sale in the Charleston metro area, which includes neighboring North Charleston.

The median selling price of a home here is $298,600.

Millennials in Charleston earn a median income of $54,200 a year.

The state unemployment rate is 4.2%, and jobs have been growing in Charleston at a rate of 2.6% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

38. Albuquerque, New Mexico

Albuquerque, New Mexico, USA downtown cityscape at twilight.
Sean Pavone / Shutterstock

Millennials can afford to buy just 18% of homes listed for sale in the Albuquerque metro area, which includes the city and surrounding counties.

The median selling price of a home here is $228,300.

Millennials in Albuquerque earn a median income of $41,900 a year.

The state unemployment rate is 4.9%, and jobs have been growing in Albuquerque at a rate of 2.6% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

37. Las Vegas

Welcome to Never Sleep city Las Vegas, Nevada Sign with the heart of Las Vegas scene in the background. (all logo had been removed).
Sky Sajjaphot / Shutterstock

Millennials can afford to buy just 18% of homes listed for sale in the Las Vegas metro area, which covers all of Clark County in southernmost Nevada.

The median selling price of a home here is $301,500.

Millennials in Las Vegas earn a median income of $52,800 a year.

The local unemployment rate is 4.7%, and jobs have been growing at a rate of 3.4% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

36. El Paso, Texas

Ciudad Juárez in Mexico cityscape or skyline, viewed from border with El Paso, Texas
Andriy Blokhin / Shutterstock

Millennials can afford to buy just 18% of homes listed for sale in the El Paso metro area, which includes neighboring Hudspeth County.

The median selling price of a home home here is $163,100.

Millennials in El Paso earn a median income of $41,000 a year.

The state unemployment rate is 3.4%, and jobs have been growing in El Paso at a rate of 2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

35. Bakersfield, California

Bakersfield sign landmark
Stefan Larsen / Shutterstock

Millennials can afford to buy just 18% of homes listed for sale in the Bakersfield metro area, which includes all of Kern County, California, including neighboring Delano.

The median selling price of a home home here is $247,000, according to Zillow.

Millennials in Bakersfield earn a median income of $40,000 a year.

The state unemployment rate is 4.1%, and jobs have been growing in Bakersfield at a rate of 2.1% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

34. Nashville, Tennessee

Banjo player in the country band
michelangeloop / Shutterstock

Millennials can afford to buy just 18% of homes listed for sale in the Nashville metro area, which includes neighboring Murfreesboro and Franklin.

The median selling price of a home home here is $276,800.

Millennials in Nashville earn a median income of $58,800 a year.

The local unemployment rate is 3.4%, and jobs have been growing at a rate of 2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

33. Charlotte, North Carolina

charlotte north carolina skyline
digidreamgrafix / Shutterstock

Millennials can afford to buy just 17% of homes listed for sale in the Charlotte metro area, which includes neighboring Concord and Gastonia, plus some suburbs in South Carolina,

The median selling price of a home home here is $266,100.

Millennials in Charlotte earn a median income of $53,900 a year.

The local unemployment rate is 4%, and jobs have been growing at a rate of 2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

32. Ogden, Utah

utah wasatch mountains in ogden just north of salt lake city which is popular for skiing snowboarding and other winter sports
PureRadiancePhoto / Shutterstock

Millennials can afford to buy just 17% of homes listed for sale in the Ogden metro area, which includes neighboring Clearfield.

The average selling price of a home home here is $249,000, according to Redfin.

Millennials in Ogden earn a median income of $63,700 a year.

The state unemployment rate is 2.8%, and jobs have been growing in Ogden at a rate of 2.7% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

31. Orlando, Florida

Sculpted garden in the Walt Disney's Magic Kingdom theme park. The plants form the shape of Mickey Mouse with  green and purple color plants.
BobNoah / Shutterstock

Millennials can afford to buy just 16% of homes listed for sale in the Orlando metro area, which includes neighboring Kissimmee and Sanford.

The median selling price of a home home here is $278,000.

Millennials in Orlando earn a median income of $49,700 a year.

The local unemployment rate is 3.2%, and jobs have been growing at a rate of 4% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

30. Bridgeport, Connecticut

Fayerweather Island lighthouse (Black Rock Harbor), Bridgeport, Connecticut
MainlightPhoto.com / Shutterstock

Millennials can afford to buy just 15% of homes listed for sale in the Bridgeport metro area, which includes neighboring Stamford and Norwalk.

The median selling price of a home home here is $470,100.

Millennials in Bridgeport earn a median income of $82,700 a year.

The state unemployment rate is 3.6%, and jobs have been growing in Bridgeport at a rate of 1.8% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

29. Providence, Rhode Island

Providence, Rhode Island, USA city skyline on the river.
Sean Pavone / Shutterstock

Millennials can afford to buy just 14% of homes listed for sale in the Providence metro area, which includes neighboring Stamford and Norwalk.

The median selling price of a home home here is $316,600.

Millennials in Providence earn a median income of $58,100 a year.

The local unemployment rate is 3.7%, and jobs have been growing at a rate of 1.2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

28. New York

Brooklyn Bridge in New York City - aerial view
IM_photo / Shutterstock

Millennials can afford to buy just 14% of homes listed for sale in the New York metro area, which includes Newark and Jersey City across the river in New Jersey and even reaches into Pennsylvania.

The median selling price of a home home here is $420,800.

Millennials in New York earn a median income of $74,000 a year.

The local unemployment rate is 3.9%, and jobs have been growing at a rate of 1.2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

27. San Francisco

San Francisco skyline and Bay Bridge at sunrise, California
Zhukova Valentyna / Shutterstock

Millennials can afford to buy just 14% of homes listed for sale in the San Francisco metro area, which includes neighboring Oakland and Hayward.

The median selling price of a home home here is a stunning $1.05 million.

Millennials in San Francisco earn a median income of $107,100 a year.

The local unemployment rate is 2.9%, and jobs have been growing at a rate of 2.2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

26. Phoenix

phoenix arizona
jdross75 / Shutterstock

Millennials can afford to buy just 14% of homes listed for sale in the Phoenix metro area, which includes neighboring Mesa and Scottsdale.

The median selling price of a home home here is $285,500.

Millennials in Phoenix earn a median income of $52,700 a year.

The local unemployment rate is 4.8%, and jobs have been growing at a rate of 3.7% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

25. Houston

Houston, Texas, USA downtown skyline over the highways at dusk.
Sean Pavone / Shutterstock

Millennials can afford to buy just 14% of homes listed for sale in the Houston metro area, which includes neighboring Sugar Land and The Woodlands.

The median selling price of a home home here is $249,400.

Millennials in Houston earn a median income of $55,600 a year.

The local unemployment rate is 4%, and jobs have been growing at a rate of 3.5% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

24. Denver

Scenic of Denver Colorado skyline, with Rocky Mountains in the background and City Park Lake in the foreground.
EdgeOfReason / Shutterstock

Millennials can afford to buy just 13% of homes listed for sale in the Denver metro area, which includes neighboring Aurora and Lakewood.

The median selling price of a home home here is $471,400.

Millennials in Denver earn a median income of $69,300 a year.

The local unemployment rate is 2.7%, and jobs have been growing at a rate of 2.1% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

23. Honolulu

Waikiki Beach and Diamond Head Crater including the hotels and buildings in Waikiki, Honolulu, Hawaii
okimo / Shutterstock

Millennials can afford to buy just 12% of homes listed for sale in the Honolulu metro area, on the island of Oahu.

The average selling price of a home home here is $537,000, Redfin says.

Millennials in Honolulu earn a median income of $69,500 a year.

The state unemployment rate is 2.7%, and jobs have been growing in Honolulu at a rate of 2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

22. Tucson, Arizona

Tucson, Arizona, USA downtown skyline with Sentinel Peak at dusk.
Sean Pavone / Shutterstock

Millennials can afford to buy just 12% of homes listed for sale in the Tucson metro area, including the surrounding suburbs.

The median selling price of a home home here is $239,500.

Millennials in Tucson earn a median income of $43,200 a year.

The state unemployment rate is 5%, and jobs have been growing in Tucson at a rate of 2.4% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

21. Spokane, Washington

Spokane Falls
Jeremy Heiss / Shutterstock

Millennials can afford to buy just 12% of homes listed for sale in the Spokane metro area, including neighboring Spokane Valley.

The median selling price of a home home here is $265,600.

Millennials in Spokane earn a median income of $42,500 a year.

The state unemployment rate is 4.6%, and jobs have been growing in Spokane at a rate of 2.2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

20. Dallas

Dallas downtown skyline at night, Texas
kan_khampanya / Shutterstock

Millennials can afford to buy just 12% of homes listed for sale in the Dallas metro area, including neighboring Fort Worth and Arlington.

The median selling price of a home home here is $275,400.

Millennials in Dallas earn a median income of $57,800 a year.

The local unemployment rate is 3.4%, and jobs have been growing at a rate of 3.2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

19. Durham-Chapel Hill, North Carolina

Durham, North Carolina, USA downtown cityscape.
Sean Pavone / Shutterstock

Millennials can afford to buy just 12% of homes listed for sale in the Durham-Chapel Hill metro area, including surrounding suburbs.

The median selling price of a home home here is $314,300.

Millennials in Durham-Chapel Hill earn a median income of $49,200 a year.

The state unemployment rate is 4.2%, and jobs have been growing in Durham-Chapel Hill at a rate of 2.3% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

18. Salt Lake City

Downtown Salt Lake City skyline Utah in USA
f11photo / Shutterstock

Millennials can afford to buy just 12% of homes listed for sale in the Salt Lake City metro area in northern Utah.

The median selling price of a home home here is $358,000.

Millennials in Salt Lake City earn a median income of $63,200 a year.

The local unemployment rate is 2.9%, and jobs have been growing at a rate of 2.7% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

17. McAllen, Texas

rio grande texas usa mexico border
digidreamgrafix / Shutterstock

Millennials can afford to buy just 11% of homes listed for sale in the McAllen metro area, which includes neighboring Edinburg and Mission.

The average selling price of a home home here is $176,000, according to Redfin.

Millennials in McAllen earn a median income of $31,400 a year.

The state unemployment rate is 3.4%, and jobs have been growing in McAllen at a rate of 2.1% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

16. Fresno, California

Van Ness Avenue Entrance to Downtown Fresno, California, USA.
stellamc / Shutterstock

Millennials can afford to buy just 11% of homes listed for sale in the Fresno metro area, which includes all of Fresno and Madera counties in central California's San Joaquin Valley.

The average selling price of a home home here is $265,000, according to Redfin.

Millennials in Fresno earn a median income of $43,500 a year.

The state unemployment rate is 4.1%, and jobs have been growing in Fresno at a rate of 2.6% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

15. Daytona Beach, Florida

Daytona Beach, Florida, USA beachfront skyline.
Sean Pavone / Shutterstock

Millennials can afford to buy just 10% of homes listed for sale in the Daytona Beach metro area, including neighboring Deltona and Ormond Beach.

The median selling price of a home home here is $225,000.

Millennials in Daytona Beach earn a median income of $38,500 a year.

The state unemployment rate is 3.3%, and jobs have been growing in Daytona Beach at a rate of 0.3% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

14. Riverside-San Bernardino, California

The Peace Bridge at twilight, at Mount Rubidoux Park, in Riverside, California.
Jon Bilous / Shutterstock

Millennials can afford to buy just 10% of homes listed for sale in the Riverside-San Bernardino metro area, including neighboring Ontario in the suburbs east of Los Angeles.

The median selling price of a home home here is $380,000.

Millennials in Riverside-San Bernardino earn a median income of $56,900 a year.

The local unemployment rate is 4.6%, and jobs have been growing at a rate of 1.9% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

13. Portland, Oregon

Portland. Oregon sign
cocozero / Shutterstock

Millennials can afford to buy just 10% of homes listed for sale in the Portland metro area, which includes neighboring Hillsboro, Oregon, and Vancouver, Washington.

The median selling price of a home home here is $415,300.

Millennials in Portland earn a median income of $70,200 a year.

The local unemployment rate is 4%, and jobs have been growing at a rate of 2.3% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

12. Austin, Texas

Texas State Capitol Building in Austin, TX.
LMPphoto / Shutterstock

Millennials can afford to buy just 10% of homes listed for sale in the Austin metro area, which includes nearby Round Rock.

The median selling price of a home home here is $343,700.

Millennials in Austin earn a median income of $63,600 a year.

The local unemployment rate is 2.9%, and jobs have been growing at a rate of 3.5% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

11. San Jose, California

Urban landscape in downtown San Jose, Silicon Valley, California
Sundry Photography / Shutterstock

Millennials can afford to buy just 9% of homes listed for sale in the San Jose metro area, which includes neighboring Sunnyvale and Santa Clara in California's Silicon Valley.

The median selling price of a home home here is $1.33 million

Millennials in San Jose earn a median income of $120,300 a year.

The local unemployment rate is 2.8%, and jobs have been growing at a rate of 3.3% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

10. San Antonio

River Walk in San Antonio Texas
Leena Robinson / Shutterstock

Millennials can afford to buy just 9% of homes listed for sale in the San Antonio metro area, which includes neighboring New Braunfels.

The median selling price of a home home here is $238,800.

Millennials in San Antonio earn a median income of $47,200 a year.

The local unemployment rate is 3.3%, and jobs have been growing at a rate of 0.8% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

9. Seattle

View of downtown Seattle skyline in Seattle Washington, USA
f11photo / Shutterstock

Millennials can afford to buy just 9% of homes listed for sale in the Seattle metro area, including nearby Tacoma and Bellevue.

The median selling price of a home home here is $542,700.

Millennials in Seattle earn a median income of $79,400 a year.

The local unemployment rate is 3.6%, and jobs have been growing at a rate of 3.3% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

8. Stockton-Lodi, California

Waterfront Cityscape of All American City Award Recipient, Stockton, California, Reflected in River at Weber Point
Terrance Emerson / Shutterstock

Millennials can afford to buy just 6% of homes listed for sale in the Stockton-Lodi metro area, in central California's San Joaquin County.

The average selling price of a home home here is $313,000, according to Redfin.

Millennials in Stockton-Lodi earn a median income of $51,200 a year.

The state unemployment rate is 4.1%, and jobs have been growing in Stockton-Lodi at a rate of 2.7% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

7. Colorado Springs, Colorado

Balanced Rock at Garden of the Gods in Colorado Springs, Colorado.
Gray Photo Online / Shutterstock

Millennials can afford to buy just 6% of homes listed for sale in the Colorado Springs metro area, which covers El Paso and Teller counties in central Colorado.

The average selling price of a home home here is $315,000, says Redfin.

Millennials in Colorado Springs earn a median income of $56,800 a year.

The state unemployment rate is 2.8%, and jobs have been growing in Colorado Springs at a rate of 5.5% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

6. Provo, Utah

The lonely bench
Paulius Jankevicius / Shutterstock

Millennials can afford to buy just 6% of homes listed for sale in the Provo metro area, which includes nearby Orem.

The average selling price of a home home here is $286,000, according to Redfin.

Millennials in Provo earn a median income of $57,200 a year.

The state unemployment rate is 2.8%, and jobs have been growing in Provo at a rate of 3.2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

5. Sacramento, California

Sacramento California at night
Andrew Zarivny / Shutterstock

Millennials can afford to buy just 5% of homes listed for sale in the Sacramento metro area, including neighboring Roseville, Arden and Arcade.

The median selling price of a home home here is $385,000.

Millennials in Sacramento earn a median income of $56,900 a year.

The local unemployment rate is 4%, and jobs have been growing at a rate of 1.8% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

4. Boise, Idaho

Colorful ballons in a blue sky over the little city of Boise Idaho
Charles Knowles / Shutterstock

Millennials can afford to buy just 5% of homes listed for sale in the Boise metro area, which covers four counties in southwestern Idaho.

The median selling price of a home home here is $295,600.

Millennials in Boise earn a median income of $51,400 a year.

The state unemployment rate is 2.9%, and jobs have been growing in Boise at a rate of 2.9% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

3. Los Angeles

Beautiful sunset of Los Angeles downtown skyline and palm trees in foreground
Chones / Shutterstock

Millennials can afford to buy just 3% of homes listed for sale in the Los Angeles metro area, which includes neighboring Long Beach and Anaheim.

The median selling price of a home home here is $567,000.

Millennials in Los Angeles earn a median income of $63,900 a year.

The local unemployment rate is 4.6%, and jobs have been growing at a rate of 0.9% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

2. San Diego

san diego trolley
Lois M. Kosch / Shutterstock

Millennials can afford to buy just 3% of homes listed for sale in the San Diego metro area, including nearby Carlsbad.

The median selling price of a home home here is $655,000.

Millennials in San Diego earn a median income of $65,500 a year.

The local unemployment rate is 3.6%, and jobs have been growing at a rate of 1.9% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

1. Oxnard-Thousand Oaks, California

Aerial view of Ventura 101 freeway and suburban Thousand Oaks near Los Angeles, California.
trekandshoot / Shutterstock

Millennials can afford to buy just 2% of homes listed for sale in the Oxnard-Thousand Oaks metro area, including neighboring Ventura.

The average selling price of a home home here is $522,000.

Millennials in Oxnard-Thousand Oaks earn a median income of $69,900 a year.

The state unemployment rate is 3.6%, and jobs have been growing in Oxnard-Thousand Oaks at a rate of 2% per year. The average employment growth rate across the 100 largest U.S. metro areas is 2%.

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