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If you want to buy a home in San Francisco, you better have $1 million to spend. At least. A whopping 81 percent of the homes in the metro San Francisco area cost $1 million or more, according to a new report from the housing website Trulia. That’s an increase of 13.7 percent since October 2017.

Trulia ranked 100 US metro areas by how quickly they are adding million-dollar homes, year-over-year. San Francisco didn’t come out on top of that ranking — its Bay Area neighbor San Jose just edged it out for the No. 1 spot with a 14.2 percent year-over-year increase in million-dollar homes.

But San Francisco tops the list of cities when it comes to the highest percentage of million-dollar homes overall in 2018. In San Jose, 70 percent of the housing stock is valued at $1 million or more, good for second place, and in yet another Bay Area city, Oakland, 31 percent of homes are worth more than $1 million. From there, the list drops off sharply, with no other metro area topping 20 percent.

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