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Forbes has just published its latest set of rankings—-they churn ’em out constantly—-which analyzes metropolitan areas on the basis of housing-associated costs. That means: Monthly mortgage or rental payments, utility bills, other property debts, real estate taxes, and various types of home insurance.

Washington D.C. comes in as fourth most expensive. New York is shockingly way further back at number 20, but these figures take into consideration the suburban fringes…and some of the “metropolitan areas” seem almost entirely suburban themselves.

Data comes from the American Community Survey, which is gathered by the Census bureau.

5. San Francisco
4. Washington, D.C. (median housing cost: $1,706)
3. Oxnard-Thousand Oaks-Ventura, Calf. Metropolitan Statistical Area
2. Bridgeport-Stamford-Norwalk, Ct. Metropolitan Statistical Area
1. San Jose-Sunnyvale-Santa Clara, Calif. Metropolitan Statistical Area