In 28 cities across the nation, the typical local family can afford less than 1% of for-sale properties. Among them: Spokane.

According to U.S. Bank, an “affordable” housing payment costs no more than 28% of household income. Based on that metric, a recent NetCredit study analyzed listings from the country’s largest cities to determine where residents can reasonably afford local homes. NetCredit 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.

In Spokane, the median household can comfortably afford just 0.93% of local properties. In Seattle, the share is slightly higher at 3.15%.

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%); Memphis, Tennessee (30.15%); Kansas City, Kansas (25.60%); and Little Rock, Arkansas (25.52%).