Would you be willing to pay nearly $5,000 per month in rent? If not, don’t plan on raising your family in North Miami Beach, Fla.  You might want to stay away from some Southern California cities as well, such as La Jolla, Santa Monica and Newport Beach.

These are some of the most expensive cities in the U.S. for renters looking for a three-bedroom house. In more affordable parts of the country, a three-bedroom home generally is considered standard for a family. But in some of these affluent cities, a three-bedroom house is a privilege the average renter can’t afford.

In North Miami Beach, the median rent for a three-bedroom, single-family home is $4,489, according to Rent Range, which compiles and analyzes rental market data nationwide.

The company provided Bankrate with a list of the top 10 most expensive rental markets for a three-bedroom, single-family houses:

Top 10 most expensive rental markets

North Miami Beach, Fla.: $4,489

La Jolla, Calif.: $3,922

Santa Monica, Calif.: $3,658

Newport Beach, Calif.: $3,550

Dana Point, Calif.: $3,446

Miami Beach, Fla.: $3,421

New York, N.Y.: $3,247

Rancho Palos Verdes, Calif.: $3,240

Bethesda, Md.: $3,225

Sherman Oaks, Calif.: $3,089

San Francisco, which normally tops the list of most expensive cities to rent in, ranks 16th on the list of three-bedrooms, says Wally Charnoff, chief executive officer of Rent Range. For one-bedroom homes, San Francisco ranks as the most expensive city, followed by New York, he says.

Why are these cities so expensive? As usual, when it comes to real estate, it’s all about location.

“They have geographic appeal, more economic stability, and they attract wealthier people,” he says.

Regardless of location, if you think you’re paying too much for rent, maybe it’s time to consider taking advantage of today’s low mortgage rates and attractive home prices. This Bankrate quiz can help you decide whether you should rent or buy.

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