You can’t argue with the numbers: inequality across a wide spectrum of demographics is on the rise in the U.S.

And it appears that the American Dream — you know, the house with the white picket fence, 2.5 kids and a mortgage that doesn’t suck you into foreclosure — appears to be slipping even further away from minorities, according to a new report by rental search firm Abodo Apartments.

Looking at the country as a whole, 71.3% of white Americans own homes, while only 41% of black Americans own a home, according to the latest U.S. Census numbers analyzed by Abodo. The study also looked at other minority groups — Hispanic-Americans and Asian-Americans — and found similar, albeit smaller, disparities.

Black Homeownership Has Declined Faster Than That of Other Races

It’s no secret that the number of Americans who own homes has declined since 2006. The Great Recession crippled the U.S. housing market, with national homeownership declining from 67.3% to 63.1% from 2006 to 2016, according to the report.

But homeownership rates for black Americans have faced a steeper decline than that of white Americans. White ownership fell 3.8 percentage points in the last decade, while black American homeownership decreased 5.6 percentage points.

It’s a stark reversal, since black American homeownership jumped from 38.2% in 1960 to more than 47% by 2000, according to data provided by the Urban Institute.

“…[T]he prospects for black homeownership have gone from hopeful to pessimistic in only 15 years,” Urban Institute researchers wrote in a February blog post.

Stalled by Lending Practices… and the Dreaded Down Payment

Black Americans were the only demographic group in the U.S. to have had an increase in homeownership between 2006 and 2007. It’s a counterintuitive data point that partially explains the reason the group has had such a difficult time crawling back from the housing crisis.

“This blip might represent first-time homeowners in minority populations taking advantage of the glut of cheap housing and widely granted subprime loans that immediately preceded the market crash,” the Abodo report stated.

But there’s also the fact that putting a down payment on a home will set you back a pretty severe chunk of change. In some cases, minority homebuyers are looking for alternative financing methods. One such method, a contract for deed, has become widely popular among minorities in Minnesota.

And since an income gap exists between the two groups, it can take between two and 19 years longer for someone in a minority group to save for a 20% down payment on a home than it would take a white person, Abodo reports.

The Cities Where Black Homeownership Is Strongest

Earlier this year, Wells Fargo announced it would undertake a 10-year, $60 billion plan to boost African-American homeownership by 250,000. There hasn’t been an update, and Wells Fargo has, uh, had some problems this year.

But, as the report concludes: “Racial disparities in homeownership are the product of a complex web of systemic inequality, and this report touches only on a few shallow indicators, without considering education, occupation, immigration status, and myriad other elements that have known impacts on financial security.”

Still, some cities are doing better than others in terms of homeownership among black Americans. Abodo looked at the 100 largest metropolitan areas as part of the analysis, and these are the top 10 cities when it comes to black homeownership:

Charleston, South Carolina — 53.5%

Columbia, South Carolina — 53%

Augusta, Georgia — 52.3%

Jackson, Mississippi — 52.1%

Ventura, California — 51.5%

Birmingham, Alabama — 49.6%

Philadelphia, Pennsylvania — 49.1%

Washington, D.C. — 48.9%

Richmond, Virginia — 48.7%

Daytona Beach, Florida — 48.2