Per Curbed SF, the apartment website Abodo recently released a study saying only 20.5 percent of 18-to-35-year-old Bay Area residents are homeowners.

The study looked at homeowners who were born between 1982 and 1999 and calculated where they fell compared to other city populations.

San Francisco, Oakland, and Hayward fell in the bottom 10 at 20.5 percent, compared to the national average of 32.1 percent. San Jose, Sunnyvale, and Santa Clara have a lower percentage of home-owning millennials at 20.2 percent. 

Although the Bay Area cities landed in the bottom 10 places of debt-bearing millennials, the percentages are still unexpectedly high as prices of homes in the area are not cheap.

In May of this year, Bloomberg reported that homes in San Francisco range from $1.1 million to $1.3 million on average. With such a high average price tag on a home, Abodo estimated that it would take an average young San Franciscan 28.7 years to save up for the purchase.

 In 2014, the Obama Administration’s Council of Economic Advisers said homeownership among millennials is most likely low due to increased college enrollment, shifts in the labor force, and marrying at an older age.

It’s not impossible to find a starter home in the region. Earlier this year a different study found that — regardless of age — Bay Area towns Redwood City and Burlingame were among the best places to buy a first home.