Yahoo Finance: Which Cities Face Biggest Housing Risks?
The second column should decline after 2014 when health insurance reform kicks in.
The third column combines those on fixed incomes (pensions/other retirement income and unemployment insurance payments) with those with no income.
The fourth column, "Housing-Stress Indicator," combines the other three.
To be sure, a high level of income can make crossing the 30% threshold of housing costs-to-income less risky for a borrower. New York, for example, is in the top 10 for the housing-stress indicator among the 49 most populous cities, but the percentage of people without health insurance and unemployment are both below the national averages in the region. The New York area has one of the highest median incomes in the nation, allowing residents to apportion more to housing while maintaining wiggle room to deal with other expenses.
Below is a chart of the 49 most populous U.S. metro areas with their stress readings and components, sorted by the cities with the highest housing-stress indicator to the least.
| Metro Area | Spending >30% of Income on Housing | Without Health Insurance | Population Not Working | Housing-Stress Indicator |
| United States, average | 37.5% | 15.1% | 33.1% | 85.7 |
| Miami-Fort Lauderdale-Pompano Beach, FL | 57.7% | 25.6% | 33.3% | 116.6 |
| Riverside-San Bernardino-Ontario, CA | 54.3% | 20.5% | 39.5% | 114.3 |
| Los Angeles-Long Beach-Santa Ana, CA | 54.3% | 21.5% | 33.5% | 109.3 |
| San Diego-Carlsbad-San Marcos, CA | 53.9% | 17.0% | 36.4% | 107.3 |
| Las Vegas-Paradise, NV | 49.6% | 22.3% | 32.2% | 104.1 |
| Orlando-Kissimmee, FL | 47.6% | 21.2% | 32.6% | 101.4 |
| Tampa-St. Petersburg-Clearwater, FL | 46.6% | 18.5% | 34.4% | 99.5 |
| Sacramento–Arden-Arcade–Roseville, CA | 48.4% | 12.6% | 35.4% | 96.4 |
| San Jose-Sunnyvale-Santa Clara, CA | 50.5% | 12.3% | 31.6% | 94.4 |
| New York-Northern New Jersey-Long Island, NY-NJ-PA | 48.8% | 12.9% | 32.2% | 93.9 |
| Phoenix-Mesa-Scottsdale, AZ | 41.3% | 17.9% | 33.5% | 92.7 |
| San Francisco-Oakland-Fremont, CA | 50.2% | 11.9% | 30.6% | 92.7 |
| Detroit-Warren-Livonia, MI | 39.0% | 12.9% | 39.1% | 91 |
| New Orleans-Metairie-Kenner, LA | 38.0% | 18.8% | 33.7% | 90.5 |
| Jacksonville, FL | 40.0% | 16.8% | 33.3% | 90.1 |
| Chicago-Naperville-Joliet, IL-IN-WI | 42.9% | 14.4% | 31.9% | 89.2 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 42.1% | 11.7% | 34.6% | 88.4 |
| Atlanta-Sandy Springs-Marietta, GA | 36.5% | 19.2% | 32.4% | 88.1 |
| Houston-Sugar Land-Baytown, TX | 32.2% | 24.6% | 31.1% | 87.9 |
| Memphis, TN-MS-AR | 35.9% | 16.3% | 35.4% | 87.6 |
| Portland-Vancouver-Beaverton, OR-WA | 40.9% | 14.8% | 31.3% | 87 |
| Dallas-Fort Worth-Arlington, TX | 32.0% | 24.0% | 29.6% | 85.6 |
| Seattle-Tacoma-Bellevue, WA | 43.0% | 12.1% | 29.9% | 85 |
| San Antonio, TX | 30.1% | 20.0% | 34.4% | 84.5 |
| Providence-New Bedford-Fall River, RI-MA | 42.9% | 9.0% | 29.9% | 81.8 |
| Austin-Round Rock, TX | 31.6% | 20.5% | 27.7% | 79.8 |
| Cleveland-Elyria-Mentor, OH | 35.2% | 11.5% | 32.7% | 79.4 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | 37.4% | 10.0% | 31.7% | 79.1 |
| Richmond, VA | 34.1% | 12.8% | 31.5% | 78.4 |
| Denver-Aurora-Broomfield, CO | 35.0% | 15.3% | 27.3% | 77.6 |
| Birmingham-Hoover, AL | 31.0% | 12.3% | 34.2% | 77.5 |
| Charlotte-Gastonia-Concord, NC-SC | 31.7% | 15.7% | 30.1% | 77.5 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 38.3% | 11.0% | 27.2% | 76.5 |
| Baltimore-Towson, MD | 36.8% | 10.1% | 29.4% | 76.3 |
| Nashville-Davidson–Murfreesboro–Franklin, TN | 32.4% | 13.3% | 30.5% | 76.2 |
| Oklahoma City, OK | 26.4% | 17.9% | 30.6% | 74.9 |
| Milwaukee-Waukesha-West Allis, WI | 35.3% | 9.9% | 28.6% | 73.8 |
| Columbus, OH | 30.6% | 12.7% | 30.1% | 73.4 |
| Boston-Cambridge-Quincy, MA-NH | 40.2% | 4.7% | 27.6% | 72.5 |
| Indianapolis-Carmel, IN | 28.2% | 13.6% | 29.9% | 71.7 |
| Hartford-West Hartford-East Hartford, CT | 35.5% | 7.6% | 28.4% | 71.5 |
| Louisville-Jefferson County, KY-IN | 27.5% | 12.4% | 31.6% | 71.5 |
| Cincinnati-Middletown, OH-KY-IN | 28.1% | 11.8% | 30.9% | 70.8 |
| St. Louis, MO-IL | 29.7% | 10.5% | 30.4% | 70.6 |
| Rochester, NY | 29.4% | 7.9% | 31.9% | 69.2 |
| Kansas City, MO-KS | 27.6% | 13.2% | 27.8% | 68.6 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 34.7% | 9.1% | 24.7% | 68.5 |
| Pittsburgh, PA | 28.1% | 8.6% | 31.0% | 67.7 |
| Buffalo-Niagara Falls, NY | 27.8% | 7.9% | 31.2% | 66.9 |
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