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C.A.R.’s Housing Affordability Index (HAI) measures the percentage of households that can afford to purchase a median-priced, single-family home in California. C.A.R. also reports affordability indices for regions and select counties within the state. The index is considered the most fundamental measure of housing well-being for home buyers in the state.
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Click here for the latest 2023 Housing Affordability by Ethnicity
Traditional Housing Affordability Index Methodology
Traditional Housing Affordability Indices (HAI) were calculated based on the following effective composite interest rates: 6.48%% (Q123), 7.39%% (Q423), and 6.86%% (Q124).
|
Q12024 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q12024 |
Q42023 |
|
Q12023 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
17 |
15 |
|
20 |
r |
$814,280 |
$5,210 |
$208,400 |
|
CA Condo/Townhomes |
24 |
22 |
|
27 |
r |
$655,000 |
$4,190 |
$167,600 |
|
Los Angeles Metropolitan Area |
15 |
14 |
|
19 |
|
$785,000 |
$5,020 |
$200,800 |
|
Inland Empire |
21 |
20 |
|
24 |
|
$579,940 |
$3,710 |
$148,400 |
|
S.F. Bay Area |
20 |
19 |
|
21 |
|
$1,255,000 |
$8,030 |
$321,200 |
|
US |
37 |
35 |
|
40 |
|
$389,400 |
$2,490 |
$99,600 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
16 |
16 |
|
18 |
|
$1,292,500 |
$8,270 |
$330,800 |
|
Contra Costa |
25 |
23 |
|
29 |
|
$825,000 |
$5,280 |
$211,200 |
|
Marin |
18 |
16 |
|
20 |
|
$1,670,000 |
$10,680 |
$427,200 |
|
Napa |
18 |
16 |
|
20 |
|
$890,000 |
$5,690 |
$227,600 |
|
San Francisco |
20 |
20 |
|
21 |
|
$1,650,000 |
$10,550 |
$422,000 |
|
San Mateo |
17 |
17 |
|
19 |
|
$2,000,000 |
$12,790 |
$511,600 |
|
Santa Clara |
18 |
18 |
|
21 |
|
$1,840,000 |
$11,770 |
$470,800 |
|
Solano |
26 |
25 |
|
28 |
|
$580,000 |
$3,710 |
$148,400 |
|
Sonoma |
16 |
15 |
|
18 |
|
$840,000 |
$5,370 |
$214,800 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
30 |
27 |
|
32 |
|
$360,000 |
$2,300 |
$92,000 |
|
Los Angeles |
14 |
11 |
|
17 |
|
$822,950 |
$5,260 |
$210,400 |
|
Orange |
11 |
11 |
|
12 |
|
$1,365,000 |
$8,730 |
$349,200 |
|
Riverside |
20 |
19 |
|
22 |
|
$630,000 |
$4,030 |
$161,200 |
|
San Bernardino |
27 |
24 |
|
30 |
|
$487,270 |
$3,120 |
$124,800 |
|
San Diego |
11 |
11 |
|
15 |
|
$981,000 |
$6,280 |
$251,200 |
|
Ventura |
15 |
13 |
|
17 |
|
$889,000 |
$5,690 |
$227,600 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
11 |
8 |
|
12 |
|
$867,500 |
$5,550 |
$222,000 |
|
San Luis Obispo |
10 |
8 |
|
12 |
|
$895,000 |
$5,730 |
$229,200 |
|
Santa Barbara |
11 |
10 |
|
15 |
|
$1,050,000 |
$6,720 |
$268,800 |
|
Santa Cruz |
13 |
13 |
|
14 |
|
$1,250,000 |
$8,000 |
$320,000 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
30 |
28 |
|
32 |
|
$410,000 |
$2,620 |
$104,800 |
|
Glenn |
34 |
30 |
|
32 |
|
$349,000 |
$2,230 |
$89,200 |
|
Kern |
31 |
28 |
|
33 |
|
$380,000 |
$2,430 |
$97,200 |
|
Kings |
34 |
29 |
|
33 |
|
$347,450 |
$2,220 |
$88,800 |
|
Madera |
30 |
29 |
|
34 |
|
$430,000 |
$2,750 |
$110,000 |
|
Merced |
29 |
29 |
|
32 |
|
$391,920 |
$2,510 |
$100,400 |
|
Placer |
30 |
28 |
|
31 |
|
$646,120 |
$4,130 |
$165,200 |
|
Sacramento |
26 |
23 |
|
29 |
|
$533,910 |
$3,420 |
$136,800 |
|
San Benito |
21 |
15 |
|
23 |
|
$770,500 |
$4,930 |
$197,200 |
|
San Joaquin |
26 |
22 |
|
27 |
|
$535,000 |
$3,420 |
$136,800 |
|
Stanislaus |
28 |
23 |
|
30 |
|
$458,250 |
$2,930 |
$117,200 |
|
Tulare |
33 |
31 |
|
37 |
|
$363,850 |
$2,330 |
$93,200 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
29 |
29 |
|
32 |
|
$435,000 |
$2,780 |
$111,200 |
|
Lassen |
51 |
49 |
|
53 |
|
$258,500 |
$1,650 |
$66,000 |
|
Plumas |
37 |
33 |
|
42 |
|
$370,950 |
$2,370 |
$94,800 |
|
Shasta |
37 |
36 |
|
39 |
|
$370,500 |
$2,370 |
$94,800 |
|
Siskiyou |
32 |
32 |
|
41 |
|
$330,000 |
$2,110 |
$84,400 |
|
Tehama |
39 |
40 |
|
40 |
|
$320,000 |
$2,050 |
$82,000 |
|
Trinity |
26 |
28 |
|
21 |
|
$325,000 |
$2,080 |
$83,200 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
30 |
31 |
|
33 |
|
$448,500 |
$2,870 |
$114,800 |
|
Calaveras |
33 |
31 |
|
32 |
|
$450,000 |
$2,880 |
$115,200 |
|
Del Norte |
34 |
26 |
|
32 |
|
$350,000 |
$2,240 |
$89,600 |
|
El Dorado |
25 |
23 |
|
28 |
|
$660,000 |
$4,220 |
$168,800 |
|
Humboldt |
25 |
24 |
|
26 |
|
$422,450 |
$2,700 |
$108,000 |
|
Lake |
33 |
28 |
|
31 |
|
$320,000 |
$2,050 |
$82,000 |
|
Mariposa |
23 |
18 |
|
25 |
|
$415,000 |
$2,650 |
$106,000 |
|
Mendocino |
21 |
18 |
|
26 |
|
$472,000 |
$3,020 |
$120,800 |
|
Mono |
4 |
5 |
|
7 |
|
$1,250,000 |
$8,000 |
$320,000 |
|
Nevada |
27 |
24 |
|
29 |
|
$530,000 |
$3,390 |
$135,600 |
|
Sutter |
32 |
31 |
|
36 |
|
$417,000 |
$2,670 |
$106,800 |
|
Tuolumne |
36 |
32 |
|
36 |
|
$397,500 |
$2,540 |
$101,600 |
|
Yolo |
24 |
22 |
|
28 |
|
$619,200 |
$3,960 |
$158,400 |
|
Yuba |
26 |
24 |
|
28 |
|
$437,290 |
$2,800 |
$112,000 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
