A recent report from the Nation­al Low Income Hous­ing Coali­tion quan­ti­fies hous­ing costs rel­a­tive to wages in the states and cities around the Unit­ed States.

The “Out of Reach 2021” report uses a sta­tis­tic called “Hous­ing Wage” to mea­sure the gap between renters’ wages and the cost of rental hous­ing in the Unit­ed States. Hous­ing Wage esti­mates the hourly wage a full-time work­er must earn to afford a mod­est rental home at HUD’s fair mar­ket rent (FMR) with­out spend­ing more than 30% of his or her income on hous­ing costs.

Accord­ing to the report, the aver­age full-time work­er needs to earn an hourly wage of $24.90 to afford a mod­est, two-bed­room rental home in the Unit­ed States. With the fed­er­al min­i­mum wage set at $7.25 an hour, it’s easy to see that many would have to work mul­ti­ple jobs at that wage to afford rent. The hourly wage of $24.90 is also sig­nif­i­cant­ly high­er than the aver­age hourly wage earned by U.S. renters—$18.78.

An arti­cle by Andrew Cham­ings picked up the news fo the report for SFGate, not­ing the report’s find­ings for San Fran­cis­co. “Data shows that if you earn min­i­mum wage in San Fran­cis­co — that’s $16.32 an hour — you need to work 4.9 full time jobs a week to afford a fair mar­ket rent two-bed­room apart­ment. That’s 196 hours, more hours than there are in a week,” writes Cham­ings.

“Data shows that if you earn min­i­mum wage in San Fran­cis­co — that’s $16.32 an hour — you need to work 4.9 full time jobs a week to afford a fair mar­ket rent two-bed­room apart­ment. That’s 196 hours, more hours than there are in a week…”

Cham­ings also notes that Cal­i­for­nia is the least afford­able state for a low-income earn­er in the entire coun­try, accord­ing to the report. The most afford­able state for low-income earn­ers is Arkansas.