In 28 cities across the nation, the typical local family can afford less than 1% of for-sale properties. In some cities, 0%. The data comes from a recent study by NetCredit.

Per U.S. Bank, an “affordable” housing payment costs no more than 28% of household income. Based on that metric, NetCredit analyzed listings from the country’s largest cities to determine where residents can reasonably afford local homes. The online lender compared each city’s median household income against the home prices found on Zillow.

In nine markets, the median household could afford 0% of local properties. Those included, in California: Fremont, Long Beach, Oakland, San Jose and Santa Ana. Also, Portland, Maine; Newark, N.J.; Providence, R.I.; and Burlington, Vermont. San Diego was the 10th-least affordable with the typical household there able to afford just 0.05% of properties. Of the 28 least affordable markets, 12 were in California.

Madison, Wisconsin, was the only Midwest city featured among the least affordable, coming in at No. 22 with a share of 0.68%.

Additionally, based on the NetCredit methodology, a Chicago household earning the median income can comfortably afford 11.25% of local homes.

Meanwhile, the 10 most affordable markets to locals were Toledo, Ohio (the median household could afford 53% of properties there); Detroit (52.96%); Charleston, West Virginia (49.73%); Jackson, Mississippi (49.68); Baltimore (32.14%); Cleveland (30.97%); St. Louis (30.77%); and Little Rock, Arkansas (25.52%).