California dominates US housing costs, with 9 of 10 priciest metros; San Jose leads at $11,690/month. San Francisco and Los Angeles also rank high, requiring annual incomes of $358,090 and $301,221 respectively. Despite a slight decline in income requirements since 2025, affordability remains a distant dream for many. From Silicon Valley to San Diego, the Golden State boasts nine of the 10 most expensive metropolitan areas in the US for homeowners, a new report revealed. San Jose landed in the top spot, followed by San Francisco at No. 2 and Los Angeles at No. 5. In San Jose, monthly housing costs come out to a $11,690, a new report found. Sundry Photography – stock.adobe.com A view of downtown San Jose, California, with the Hotel De Anza in the center, new high-rise buildings, palm trees, and a man on a bicycle. Getty Images An analysis from ConsumerAffairs examined monthly home payments across 200 of the nation’s largest metro areas to determine the income needed to afford a home in each location.…