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It used to be that owning a home was the American dream. Now it's like the American dream on, often out of reach for many Americans. HSH.com put together a list of how much you'll need to earn in order to live in some of the major metropolitan areas in the United States. We listed the top five highest and lowest rated cities and the annual incomes required to live in them. Prepare to be depressed—and like, never afford a home in California.