The median Phoenix household spends half of its annual income on homeownership costs, according to an analysis from This Old House.

Using data from Zillow and the United States Census Bureau, the home improvement brand found that the annual cost of homeownership is about $54,568 in Phoenix.

Given the city’s median annual household income of $110,067 for married couples, they have to spend 50% of their yearly earnings on mortgage payments, property taxes, insurance and other related costs.

That burden is much heavier for single households. Single males spend 81% of their median annual income ($67,112) on homeownership costs.

Single women, meanwhile, can’t afford homeownership at all: Given the median income for female homeowners in Phoenix ($52,737), women spend 103% of their income on homeownership.

When broken down by profession, Phoenix firefighters spend 112% of their income on homeownership, community and social service workers spend 103%, educators spend 98%, law enforcement officials spend 77%, healthcare workers spend 58% and lawyers spend 53%.

That makes homeownership a risky financial decision for many, explained Patrick Luce, principal economist and adjunct professor at the University of Tampa.

“Imagine the housing market like a balance scale,” Luce said in the report. “Imagine the housing market like a balance scale. On one side, you’ve got income, and on the other, you’ve got home prices, interest rates and all those extra costs. Over the past few years, the scale has tipped heavily toward the cost side.”