San Jose’s recent pricing lift has caused more than half of homebuyers in the city to list co-borrowers on their home loans.

According to the East Bay Times, 50.9 percent of buyers in San Jose add a co-borrower on their loan papers. In a report from ATTOM Data Solutions, the national average totaled 22.8 percent, putting San Jose 28.1 percent above that.

While San Jose remains first in most co-borrowers, Los Angeles, San Diego, and San Francisco are not too far behind. A total of 31.1 percent of homebuyers in Los Angeles added a co-borrower while 29.4 percent did in San Diego.

San Francisco had a smaller number of single-family home loans (500 to be exact) but 47.2 percent of them had co-borrowers attached. This leaves San Francisco just behind San Jose, and just above Oakland, which had 40.8 percent of homebuyers adding co-borrowers.

San Jose buyers also make the largest down payments on their homes in the nation. On average, 25.2 percent of the median price was put down as a down payment. Again, San Francisco was just behind Silicon Valley with 22.3 percent used as a down payment.

These figures might not come as a too big a shock since it was recently determined San Francisco doesn’t have any affordable neighborhoods. While buying a Bay Area home for under $500,000 may be next to impossible, should you find a house, be prepared to offer way over the asking price — especially in San Jose.