Home prices throughout the U.S. seem to be the only thing rising faster than the summer heat.

These rising home prices even pushed negative equity lower in the second quarter, the Negative Equity report from Zillow shows.

That being said, home prices across the U.S. increased in the second quarter, but the pace is slowing, and homes are slowly starting to become more affordable.

Home prices rose 1.2% from the first quarter this year, and 5.6% from the second quarter last year, according to the Federal Housing Finance Agency House Price Index. 

In order to afford a median-priced home, the average American would need to make at least $51,000 a year, according to a study released by mortgage information website HSH.com.

That being said, the study assumes that buyers are paying a 20% down-payment, something that most buyers in lower-income situations may find hard to do, according to an article by Catey Hill for realtor.com.

Here are the five cities with the highest income needed to buy a median-priced home:

5. Boston: $83,151

4. New York City: $86,770

3. Los Angeles: $95,040

2. San Diego: $103,165

1. San Francisco: $147,996

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(Source: HSH.com, realtor.com)