The study analyzed investment income, property value, and income across all U.S. counties to determine the findings.

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When determining California's wealthiest counties, Smartasset used investment income, property value, and median income.

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Rankings were determined countrywide through comparisons of median income, investment income and property value.

With this in mind, SmartAsset ranked 40 of the largest U.S. metro areas based on where it's easiest to pay off a home.