SAN FRANCISCO (CBS SF) — The middle class is being pushed out of the San Francisco metro area’s housing market.

Trulia.com’s recently published report showed that a middle class household in the SF metro area, which includes San Mateo County, is defined as one that makes $84,000 a year, and that family can just barely afford a $440,000 home.

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Fran Hoang, who sells homes in Fremont says the situation could be worse than the numbers reflect, because the sale price often ends up being much more than the listing price.

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“Hard to compete with the multiple offers that are on homes that we see in the Bay Area today,” she said.

Of all the homes on the market in the San Francisco metro area, just 14-percent were within range of middle class buyers.

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Even worse, just 9-percent of homes within San Francisco County are affordable to the middle class, compared with 47-percent in Contra Costa County.