Photo by Rich Renomeron.

The rent is too damn high. This is not news in the District, where a lack of affordable housing is the biggest cause of homelessness. But a new report shows that families need to make more than $119,000 to rent a two-bedroom apartment in D.C.

The U.S. Department of Housing and Urban Development recommends that households spend 30 percent or less of their income on rent. To meet that requirement, families must earn an annual income of $119,271 to afford a two-bedroom apartment here, according to a study from SmartAsset. (The study used a 28 percent rent-to-income ratio.)

The median household income in the city was $71,648 in 2014 (numbers for 2015 won’t be released until September).

That makes D.C. the fifth most expensive city for real estate, following San Francisco, New York City, Los Angeles, and Boston. When SmartAsset conducted the study in 2015, the District also snagged the fifth spot, though the necessary income for a two bedroom was about $5,000 less at $114,986.

Image via SmartAsset.

This isn’t to say that people aren’t paying more than a third of their income on rent. Many are, and HUD calls them “cost-burdened households.” Spending more money on housing means less can go towards food, utilities, transportation, healthcare, savings, and other necessities.

While rent continues to increase and low-cost rentals become more scarce, incomes have not risen at the same rate, according to a study from the D.C. Fiscal Policy Institute.

Image via D.C. Fiscal Policy Institute.