If your rent is a huge drag, check it out: A study by personal finance firm SmartAsset shows which cities offer increasingly cheap rent relative to pay.
In general, rent is too damn high, the study suggests: The U.S. Census Bureau calls more than half of the 50 largest cities "rent burdened." These 29 cities require 30% or more of your income to go to housing.
To put that in context, 30% of the median household income in the United States — $56,516 — would amount to monthly rent of more than $1,400.
Mic edited down SmartAsset's list of cities with improving income-to-rent ratios to only those where rents were below that 30% danger zone — in order to really zoom in on affordable places.
Here are the top five.
Median 2015 monthly rent: $981
Share of median household income going to rent: 29.5%
Change since 2012: -2.8%
Although Atlanta's unyielding urban sprawl has been problematic for the city, it has worked to keep rents low. The median annual rent in Atlanta is less than $1,000 and has remained relatively flat since 2012, rising only 4%.
In fact, average household incomes increased from $46,466 to $50,210 during the same time, which is why Atlanta is no longer "rent-burdened": In 2012 median rent ate up 32.5% of income.
4. El Paso, Texas (tie)
Median 2015 monthly rent: $752
Share of median household income going to rent: 27.4%
Change since 2012: -3.2%
El Paso renters are the among the least burdened in the country, and rents inched up by less than 3% between 2012 and 2015.
El Paso has managed to grow in a way that mixes downtown development and sprawl and has not taken the economic hits that other cities have in terms of job or population loss.
Residents who were once rent-burdened and paying 30% of their pay on rent in 2012 are now paying about 27% of their income for housing in 2015.
4. Oklahoma City (tie)
Median 2015 monthly rent: $814
Share of median household income going to rent: 28.4%
Change since 2012: -3.2%
Oklahoma is one of the U.S. cities where pay has grown the most since the recession, according to CNBC.
Indeed, just between 2012 and 2015, median household incomes for those in Oklahoma City rose by a whopping 17%.
The city's economy has been spurred by General Electric and Boeing research centers, even as oil business has taken a downturn.
Residents saw the amount they spent on rent drop from a rent-burdened 32% in 2012 to an under-the-threshold 28.4%.
2. Kansas City, Missouri
Median 2015 monthly rent: $833
Share of median household income going to rent: 28.1%
Change since 2012: -3.3%
Incomes in Kansas City rose quite a bit between 2012 and 2015, with the median household figure growing from $41,877 to $50,259 during that time.
That's the reason renters shed their burdened status, and the amount of income they put toward rent dropped from 32% in of their annual pay in 2012 to about 28% in 2015.
After all, annual rents rose from $9,168 to $9,996 during that time.
1. San Francisco
Median 2015 monthly rent: $1,659
Share of median household income going to rent: 25.5%
Change since 2012: -3.6%
The fact that San Francisco renters are the least burdened big-city dwellers in the country might come as a shock to the millions there who feel they are paying an arm and a leg for housing — median annual rent is nearly $20,000.
But that obscene rent must be taken in context of the incredibly high median incomes there. And because those incomes aren't just high — but also rising — the percentage of income going to rent dropped from 29.1% to 25.5% from 2012 to 2015.
One big caveat: While San Francisco is no longer the leader in income disparity between the richest and poorest that live there, it is still in the top 10 cities for income inequality.