The median Texan household spends almost 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 $46,919 in the Lone Star State.

Given the state’s median annual household income of $111,784 for married couples, they have to spend 42% of their yearly earnings on mortgage payments, property taxes, insurance and other related costs. Married couples in Dallas, meanwhile, spend 48% of their earnings.

That burden is much heavier for single households. Single males spend 72% of their median annual income ($65,168) on homeownership costs; in Dallas, 83%.

Single women, meanwhile, can’t afford homeownership at all: Given the median income for female homeowners in Texas ($46,384), women spend 101% of their income on homeownership; in Dallas, 114%.

When broken down by profession, Dallas firefighters spend 128% of their income on homeownership, community and social service workers spend 82%, educators spend 80%, law enforcement officials spend 72%, healthcare workers spend 54% and lawyers spend 32%.

That makes homeownership a risky financial decision, 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.”