There is nowhere in the country where a person working one full-time minimum wage job can afford to rent a modest two-bedroom home, according to an annual report from the National Low Income Housing Coalition.

The group says its 2018 Out of Reach findings demonstrate "how far out of reach modestly priced housing is for the growing low-wage work force."

It can be tough to afford housing even in the least-costly of areas, the study found. While Arkansas was deemed the cheapest state for housing, a person working a 40-hour week there would still need to earn $13.84 an hour to afford a two-bedroom home. But the minimum wage in Arkansas is just $8.50.

At the other end of the price range, the report found Hawaii had the most expensive housing and would require a person to make $36.13 an hour, or $75,158 annually, to afford a decent two-bedroom apartment.

The coalition said nationally a worker would need to earn on average $22.10 to afford a two-bedroom home and $17.90 for a one-bedroom apartment.

That means a full-time worker earning the federal minimum wage of $7.25 would need to work 99 hours per week to afford a one bedroom apartment at the national average fair market rent.

The report also found that there are only 22 counties in the U.S. where a full-time minimum wage worker can afford a one-bedroom rental. They noted that each of those counties were in states with a minimum wage higher than the federal requirement.

A map that represents the hourly wage that a household must earn (working 40 hours a week, 52 weeks a year) in order to afford the Fair Market Rent for a two-bedroom rental unit, without paying more than 30% of their income.
National Low Income Housing Coalition

States ranked by how much you'd need to make to afford a two-bedroom apartment (most expensive to least expensive):
1. Hawaii $36.13
2. District of Columbia $34.48
3. California $32.68
4. New York $30.03
5. Maryland $29.04
6. Massachusetts $28.64
7. New Jersey $28.17
8. Washington $26.87
9. Connecticut $24.90
10. Alaska $24.80
11. Colorado $23.93
12. Virginia $23.69
13. Vermont $22.40
14. New Hampshire $22.32
15. Delaware $21.85
16. Florida $21.50
17. Oregon $21.26
18. Illinois $20.34
19. Rhode Island $19.96
20. Pennsylvania $19.53
21. Texas $19.32
22. Minnesota $18.82
23. Maine $18.73
24. Nevada $18.59
25. Arizona $18.46
26. Utah $17.77
27. Georgia $17.53
28. Michigan $16.85
29. Louisiana $16.63
30. Wisconsin $16.52
31. Wyoming $16.46
32. North Dakota $16.44
33. South Carolina $16.38
34. North Carolina $16.35
35. Montana $16.13
36. New Mexico $15.89
37. Tennessee $15.74
38. Kansas $15.67
39. Nebraska $15.66
40. Indiana $15.56
41. Missouri $15.46
42. Idaho $15.44
43. Oklahoma $15.41
44. Ohio $15.25
45. Iowa $15.01
46. Alabama $14.65
47. Mississippi $14.51
48. Kentucky $14.40
49. South Dakota $14.33
50. West Virginia $14.10
51. Arkansas $13.84
52. Puerto Rico $9.24

If you live in Tennessee, the study shows you need to be making $15.74 per hour to afford a two bedroom apartment. Minimum wage is $7.25 per hour in Tennessee.

Some people in Knoxville who make more than minimum wage still can't justify paying as much as they do to live in an apartment.

"We pay right around $1,000 a month and it's hard to justify paying that price," Tyler Boban said.

Tyler and his wife live in a two bedroom apartment in West Knoxville and pay around $1,000 a month. Now they're looking to buy a house they can build equity.

In Knoxville, you can qualify for some form of low income housing if you live alone and make less than $35,000. If you have a family of four, you can get help if you make less than $51,000 per year.

Here's an affordability calculator from TN Housing.