(Andrew Harrer/Bloomberg News)

Financial experts recommend spending no more than 30 percent of your take-home pay on your housing costs for either a mortgage or rent, but in cities with high housing costs, plenty of people spend far more for a place to live.

Although you might assume that people in low-income neighborhoods suffer the most from high-cost housing or think it’s harder for people living in the most expensive neighborhoods, the reality is that spending on rent is hardest for those in middle-class neighborhoods like Park View and Mount Pleasant.

RadPad, an apartment-search and rent-payment site, checked thousands of one-bedroom listings in Zip codes in the District and checked on the median household income in each Zip code to calculate the amount of monthly take-home pay residents spent on rent.

Some data from their study:

 In the 20010 Zip code that covers Park View, Columbia Heights and Mount Pleasant, renters are paying an average of 62 percent of their take-home pay on rent.

• However, the biggest cluster of neighborhoods where renters are paying a lot for their housing is in Southeast, especially in 20032, a Zip code that includes Congress Heights and Washington Highlands. That Zip code has the lowest median household income, at $34,000, and tenants there pay an average of 53 percent of their take-home pay on rent.

• The neighborhoods where income is highest in the city — including Friendship Heights, Chevy Chase and Penn Quarter — are also the areas paying the least amount of their take-home income on rent. The average in those areas is 20 percent, well below the maximum recommending amount to spend on housing.

For more information, visit www.onradpad.com and for more on these findings visit http://blog.onradpad.com/dcrentonsalary.

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