Want to Buy a House? This Is How Many Hours You Need to Work to Afford One in Your State

iStock.com/jhorrocks
iStock.com/jhorrocks

How much people need to work to afford what is perhaps the most iconic aspect of the American dream—their own house—varies drastically from city to city and state to state. Just as real estate values change with ZIP codes, so, too, do income levels. (Not to mention tax rates and the price of common goods.) To see how attainable owning a home in different cities across the U.S. really is, the cost information site HowMuch.net mapped how many hours someone earning the median income in the country’s biggest cities would need to work just to pay the average mortgage.

To crunch the numbers, the site used Census data to figure out the median hourly income for people in the 98 biggest cites in the U.S., based on the idea that everyone is working 40 hours a week. (Which isn’t very realistic, but still provides a rough estimate.) Then, HowMuch.net used data from Zillow on the median housing prices to calculate the median monthly mortgage price in each of those cities, estimating that people typically get a 30-year mortgage.

Here's the breakdown for the country's most expensive metros:

1. New York, New York: 113 hours
2. Los Angeles, California: 112 hours
3. Miami, Florida: 109 hours
4. San Francisco, California: 107 hours
5. Boston, Massachusetts: 95 hours
6. Oakland, California: 83 hours
7. Long Beach, California: 78 hours
8. San Diego, California: 77 hours
9. Santa Ana, California: 74 hours
10. San Jose, California: 74 hours

California is just as expensive as you thought it was, and that applies to more than just L.A. and Silicon Valley. Long Beach and Orange County's Santa Ana make the list, too, as does sunny San Diego. Those cities pale in comparison to Miami and Boston, though. Someone living in Santa Ana would be able to afford the median mortgage working a full 35 fewer hours than someone in Miami—basically a whole workweek. Of course, that seems much less affordable when you consider that someone in Memphis only has to work 18 hours to afford their mortgage, about a fifth of what someone in San Jose does.

Obviously, there are aspects of this data that don't entirely capture the reality on the ground. Many people work more than 40 hours a week. Interest rates can vary a lot based on credit score, when you took out your mortgage, and other factors. Many households have more than one source of income, and those incomes may not be equal, which change the figures quite a bit. Most importantly, this only reflects the cost of housing. While a mortgage payment is a huge chunk of most people's expenses, this graphic doesn't reflect the cost of other necessities like food, insurance, transportation, and all the other things we have to pay for to get by in any given month.

So, before you plan your move to Memphis, bear in mind that these are just rough estimates. That said, if you do want to move to Memphis, we wouldn't blame you.

The Most Popular Beer in Each State, Mapped

DavidPrahl/iStock via Getty Images
DavidPrahl/iStock via Getty Images

In case you were unaware: September 7 is Beer Lovers Day. While Americans hardly need a good reason to throw back a cold one, that there's an entire day dedicated to our favorite sudsy beverage makes it taste that much better. But do regional flavors impact beer preferences? That's the question VinePair, a site dedicated to our love of adult beverages, sought to answer when it created a map to find each state's favorite brand of beer. Or, at least, most states.

Though they were only able to gather data from 35 states, 22 of those states chose Bud Light as their favorite brew, making it the hands-down winner. Coors Light came out on top in three states (the mid-Atlantic region seems to enjoy the Silver Bullet) while New Glarus Brewing Company’s Spotted Cow Ale, a Wisconsin-produced beer, is the favorite brand of—you guessed it—Wisconsinites.

Does your state’s most popular beer brand match your personal preference? Check out the full map below, or visit VinePair to read more.

Get Excited for Fall With This Interactive Peak Foliage Map

Kirkikis/iStock via Getty Images
Kirkikis/iStock via Getty Images

The season of scarves, sweaters, and pumpkin spice everything is almost upon us. No matter how you feel about the end of summer, it's hard not appreciate the colorful foliage when it reaches its peak in autumn. Those red, orange, and gold leaves may be visible outside your window sooner than you think; the interactive map below from SmokyMountains.com shows you exactly when to expect them.

Fall foliage normally peaks sometime after the autumnal equinox, which falls on September 23 in 2019, but exactly when depends on variables like rainfall and temperature. Each year, the tourism website SmokyMountains.com looks at weather forecasts and historical trends from NOAA and puts together an interactive map showing when foliage is predicted peak across contiguous U.S.

Warmer temperatures have led to peak foliage occurring later in the season. In 2019, Northern New England, a place famous for its leaf-peeping, will see the brightest leaves around October 5. Peak foliage won't reach the rest of New England until October 12. Around October 26, parts of Pennsylvania, Ohio, Oregon, and Illinois will be treated to the most spectacular leaves of the season, and in Southern states like South Carolina, Georgia, and Tennessee, peak foliage won't begin until November 9. By November 30, the fall foliage will have passed its peak everywhere but along the Gulf coast.

By sliding the scale beneath the map, you can see when foliage is expected to peak in your part of the of the country. You can also use the tool to plan trips around the changing leaves.

"We believe this interactive tool will enable travelers to take more meaningful fall vacations, capture beautiful fall photos, and enjoy the natural beauty of autumn," Wes Melton, the site's data scientist and CTO, said in a statement. "Our nationwide fall foliage prediction map is unique—it is one of the only fall leaf tools that provides accurate predictions for the entire continental United States."

If you can't pick just one destination to take in the foliage this fall, you don't have to—a train ride or a road trip are some of the best ways to see as much of it as possible.

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