Fresno’s Generation Z residents will need to start saving now – and saving a lot – if they want to buy a home by age 30.

According to The Home of Home Search, a recent analysis released by realtor.com, the median cost of a Fresno home is projected to be $454,630 by 2031, when today’s 18-year-olds reach 30. That means that in order afford a 5 percent down payment, Generation Z will have to start saving $225 a month, and $357 for 10 percent. At 20 percent, this number jumps up $619 per month.

“Choosing to live in one of the US’s larger and more expensive metros – especially on the West Coast–is going to make homeownership a difficult task, but that doesn’t mean Gen Z should give up on their dreams,” said Danielle Hale, realtor.com’s chief economist. “The most important thing they can do is start saving as much as possible early on and let compound interest do the heavy lifting for them,”

These costs put Fresno at a higher home price than the national average of $386,310. However, this is still much better than the metro areas of San Jose-Sunnyvale-Santa Clara, or San Francisco-Oakland-Hayward, which come in at over $2.4 million and $1.8 million respectively. To own a home in San Jose by age 30, a buyer born in 1991 would have to put aside over $1,961 monthly to make the 10 percent down payment.

In contrast, the cheapest homes of any metro in the country can be found in the future in Youngstown-Warren-Boardman, Ohio-Pennsylvania. Homes here are only expected to cost $136,000.