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Housing Affordability Index - Traditional

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C.A.R.'s Traditional Housing Affordability Index (HAI) measures the percentage of households that can afford to purchase the median priced home in the state and regions of California based on traditional assumptions. C.A.R. also reports its traditional and first-time buyer indexes for regions and select counties within the state. The HAI is the most fundamental measure of housing well-being for buyers in the state.

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Traditional Housing Affordability Index Methodology

Q1-2017

C.A.R. Traditional Housing Affordability Index

STATE/REGION/COUNTY

Q1-2017

Q4-2016

 

Q1-2016

 

Median Home
Price

Monthly Payment Including Taxes & Insurance

Minimum
Qualifying Income

CA SFH (SAAR)

32 

31 

 

34 

 

$496,620 

$2,550 

$102,050

CA Condo/Townhomes

40 

40 

 

41 

 

$414,940 

$2,130 

$85,270

Los Angeles Metropolitan Area

33 

34 

 

35 

 

$461,920 

$2,370 

$94,920

Inland Empire

43 

46 

 

48 

 

$326,460 

$1,680 

$67,080

S.F. Bay Area

25 

25 

 

28 

 

$780,330 

$4,010 

$160,350

US

57 

58 

 

60 

 

$232,100 

$1,190 

$47,690

 

 

 

 

 

 

 

 

 

S.F. Bay Area

 

 

 

 

 

 

 

 

Alameda

21 

24 

R

26 

 

$798,000 

$4,100 

$163,980

Contra Costa

37 

39 

 

40 

R

$562,500 

$2,890 

$115,590

Marin

18 

20 

 

20 

 

$1,200,000 

$6,160 

$246,590

Napa

24 

26 

 

23 

 

$668,000 

$3,430 

$137,270

San Francisco

13 

13 

 

13 

 

$1,300,000 

$6,680 

$267,130

San Mateo

15 

15 

 

16 

 

$1,300,000 

$6,680 

$267,130

Santa Clara

19 

22 

 

22 

 

$1,070,000 

$5,500 

$219,870

Solano

45 

45 

 

48 

R

$390,750 

$2,010 

$80,290

Sonoma

25 

26 

 

28 

R

$605,000 

$3,110 

$124,320

Southern California

 

 

 

 

 

 

 

 

Los Angeles

29 

28 

 

31 

 

$485,800 

$2,500 

$99,830

Orange 

21 

22 

 

23 

 

$750,000 

$3,850 

$154,120

Riverside 

39 

41 

 

43 

 

$365,000 

$1,880 

$75,000

San Bernardino

52 

54 

 

57 

 

$256,900 

$1,320 

$52,790

San Diego

28 

27 

R

29 

 

$564,000 

$2,900 

$115,900

Ventura

25 

31 

 

30 

 

$642,480 

$3,300 

$132,020

Central Coast

 

 

 

 

 

 

 

 

Monterey

23 

27 

 

27 

 

$560,000 

$2,880 

$115,070

San Luis Obispo

26 

27 

R

27 

 

$550,000 

$2,830 

$113,020

Santa Barbara

14 

21 

 

21 

 

$779,000 

$4,000 

$160,080

Santa Cruz

17 

17 

 

18 

 

$805,000 

$4,140 

$165,420

Central Valley

 

 

 

 

 

 

 

 

Fresno

48 

50 

 

52 

 

$238,000 

$1,220 

$48,910

Kern (Bakersfield)

55 

55 

 

55 

 

$219,000 

$1,130 

$45,000

Kings 

53 

56 

 

58 

 

$215,000 

$1,100 

$44,180

Madera

47 

49 

 

50 

 

$238,000 

$1,220 

$48,910

Merced

50 

48 

 

55 

 

$228,500 

$1,170 

$46,950

Placer 

45 

47 

R

48 

 

$435,000 

$2,230 

$89,390

Sacramento

46 

46 

R

48 

 

$319,720 

$1,640 

$65,700

San Benito

32 

35 

 

36 

R

$525,000 

$2,700 

$107,880

San Joaquin

45 

44 

R

47 

R

$315,000 

$1,620 

$64,730

Stanislaus

48 

48 

 

50 

 

$275,000 

$1,410 

$56,510

Tulare

52 

49 

 

52 

 

$212,000 

$1,090 

$43,560

Other Counties in California

 

 

 

 

 

 

 

 

Amador

47 

50 

 

50 

 

$295,000 

$1,520 

$60,620

Butte 

41 

41 

 

43 

 

$282,000 

$1,450 

$57,950

El Dorado 

43 

39 

 

39 

 

$429,000 

$2,200 

$88,150

Humboldt

36 

40 

 

42 

 

$295,000 

$1,520 

$60,620

Lake 

43 

44 

 

47 

 

$217,000 

$1,110 

$44,590

Mariposa And Tuolumne

45 

51 

 

52 

 

$280,000 

$1,440 

$57,540

Mendocino

26 

32 

 

30 

 

$400,000 

$2,050 

$82,200

Shasta

49 

46 

 

50 

 

$235,500 

$1,210 

$48,390

Siskiyou 

48 

53 

 

55 

 

$206,500 

$1,060 

$42,430

Sutter

53 

52 

 

57 

 

$258,500 

$1,330 

$53,120

Tehama

55 

60 

 

60 

 

$206,000 

$1,060 

$42,330

Yolo

37 

37 

 

38 

 

$385,500 

$1,980 

$79,220

Yuba

44 

45 

 

49 

 

$254,900 

$1,310 

$52,380



Source: CALIFORNIA ASSOCIATION OF REALTORS®

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