Here's the salary you have to earn to buy a home in 19 major US cities

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 second-quarter 2016 data.

In Q2, mortgage rates fell across the board while list prices in major metros such as Chicago and San Francisco increased dramatically - 18% and 15%, respectively.

HSH.com 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, without taking into account maintenance and other incidentals.

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.