You may think you understand housing affordability, but chances are you’re relying on limited measurements.

How affordable is Miami’s housing market? The answer to that question is more complicated than meets the eye, and it suggests some very interesting things on how we assess affordability.

Firstly, there is the NAHB’s Housing Opportunity Index, which compared median income and median price in an area and assigns an index reading to that area. Miami, through the fourth quarter of 2014, had an index reading of 46.3; though that’s low compared to other cities, such as Atlanta’s 72, it’s much higher than Los Angeles’ 16.2, or San Francisco’s 11.1.

Things get vastly more complicated, though, when we consider the complementary costs that also impact an area’s affordability. As a Center For Housing Policy study found, once transportation costs are added into the mix, the affordability situation changes substantially; suddenly, Miami is the most unaffordable metro area in the nation, surpassing New York, LA, San Francisco and Boston.

Take a look at our infographic below for more detailed numbers: