A salary of $104,486 is needed to buy a home in San Diego where the median price sits at $554,300, according to a study by HSH.com, a mortgage information site, which looked at data from the first quarter of 2016.

The monthly payment for this type of home would be $2,438, the study estimated.

The analysis determined how much of a person’s salary it would take to afford the base cost of owning a home (principal, interest, taxes and insurance).

Home affordability improved in 22 of the 27 metro areas in the analysis. San Diego was not one of them, falling into the most expensive category with San Francisco, Los Angeles, New York and Boston.

Mortgage rates fell in every metropolitan area except San Diego. The 30-year fixed mortgage rate in San Diego sits at 3.91 percent, up 0.01 percent from the fourth quarter of 2015.

The more affordable metropolitan areas from the analysis are Pittsburgh, Cleveland, Cincinnati, St. Louis and Detroit.

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