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C.A.R.'s First-time Buyer Housing Affordability Index (FTB-HAI) measures the percentage of households that can afford to purchase an entry-level home in California. C.A.R. also reports first-time buyer indexes for regions and select counties within the state. The Index is the most fundamental measure of housing well-being for first-time buyers in the state.
Download series: XLS | Historical
First -Time Buyer Housing Affordability Index Methodology
|
Q42022 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q42022 |
Q32022 |
|
Q42021 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
34 |
36 |
|
44 |
|
$671,520 |
$4,270 |
$128,100 |
|
CA Condo/Townhomes |
46 |
48 |
|
54 |
|
$518,500 |
$3,290 |
$98,700 |
|
Los Angeles Metropolitan Area |
35 |
37 |
|
46 |
|
$619,650 |
$3,940 |
$118,200 |
|
Inland Empire |
45 |
46 |
|
55 |
|
$459,000 |
$2,920 |
$87,600 |
|
S.F. Bay Area |
32 |
33 |
|
39 |
|
$1,019,150 |
$6,470 |
$194,100 |
|
US |
57 |
59 |
|
67 |
|
$321,900 |
$2,040 |
$61,200 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
30 |
31 |
|
37 |
|
$990,250 |
$6,290 |
$188,700 |
|
Contra Costa |
44 |
45 |
|
53 |
|
$714,000 |
$4,540 |
$136,200 |
|
Marin |
25 |
25 |
|
35 |
|
$1,343,000 |
$8,530 |
$255,900 |
|
Napa |
32 |
28 |
|
44 |
|
$782,000 |
$4,970 |
$149,100 |
|
San Francisco |
27 |
28 |
|
29 |
|
$1,338,750 |
$8,500 |
$255,000 |
|
San Mateo |
27 |
27 |
|
26 |
|
$1,530,000 |
$9,720 |
$291,600 |
|
Santa Clara |
28 |
28 |
|
33 |
|
$1,340,880 |
$8,520 |
$255,600 |
|
Solano |
52 |
54 |
|
63 |
|
$483,650 |
$3,070 |
$92,100 |
|
Sonoma |
36 |
39 |
|
49 |
|
$684,250 |
$4,350 |
$130,500 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Los Angeles |
28 |
29 |
|
39 |
|
$704,760 |
$4,480 |
$134,400 |
|
Orange |
24 |
26 |
|
34 |
|
$962,200 |
$6,110 |
$183,300 |
|
Riverside |
43 |
44 |
|
51 |
|
$497,250 |
$3,160 |
$94,800 |
|
San Bernardino |
51 |
52 |
|
61 |
|
$389,300 |
$2,470 |
$74,100 |
|
San Diego |
31 |
33 |
|
42 |
|
$728,450 |
$4,630 |
$138,900 |
|
Ventura |
34 |
36 |
|
44 |
|
$722,500 |
$4,590 |
$137,700 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
28 |
30 |
|
37 |
|
$703,800 |
$4,470 |
$134,100 |
|
San Luis Obispo |
28 |
30 |
|
42 |
|
$716,550 |
$4,550 |
$136,500 |
|
Santa Barbara |
24 |
25 |
|
37 |
|
$828,750 |
$5,260 |
$157,800 |
|
Santa Cruz |
21 |
25 |
|
32 |
|
$1,083,750 |
$6,880 |
$206,400 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
50 |
51 |
|
58 |
|
$339,150 |
$2,150 |
$64,500 |
|
Glenn |
56 |
56 |
|
60 |
|
$260,950 |
$1,660 |
$49,800 |
|
Kern |
49 |
53 |
|
61 |
|
$318,670 |
$2,020 |
$60,600 |
|
Kings |
58 |
62 |
|
72 |
|
$280,500 |
$1,780 |
$53,400 |
|
Madera |
52 |
55 |
|
61 |
|
$348,500 |
$2,210 |
$66,300 |
|
Merced |
55 |
55 |
|
62 |
|
$306,000 |
$1,940 |
$58,200 |
|
Placer |
51 |
52 |
|
59 |
|
$535,500 |
$3,400 |
$102,000 |
|
Sacramento |
49 |
50 |
|
58 |
|
$425,000 |
$2,700 |
$81,000 |
|
San Benito |
40 |
44 |
|
51 |
|
$646,000 |
$4,100 |
$123,000 |
|
San Joaquin |
49 |
50 |
|
57 |
|
$422,030 |
$2,680 |
$80,400 |
|
Stanislaus |
50 |
51 |
|
59 |
|
$364,650 |
$2,320 |
$69,600 |
|
Tulare |
52 |
55 |
|
62 |
|
$305,920 |
$1,940 |
$58,200 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
48 |
50 |
|
52 |
|
$365,080 |
$2,320 |
$69,600 |
|
Lassen |
72 |
73 |
|
77 |
|
$197,630 |
$1,260 |
$37,800 |
|
Plumas |
52 |
50 |
|
58 |
|
$337,400 |
$2,140 |
$64,200 |
|
Shasta |
57 |
58 |
|
63 |
|
$301,750 |
$1,920 |
$57,600 |
|
Siskiyou |
50 |
50 |
|
62 |
|
$276,250 |
$1,750 |
$52,500 |
|
Tehama |
56 |
56 |
|
58 |
|
$246,500 |
$1,570 |
$47,100 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
56 |
56 |
|
61 |
|
$330,650 |
$2,100 |
$63,000 |
|
Calaveras |
51 |
54 |
|
58 |
|
$374,000 |
$2,380 |
$71,400 |
|
Del Norte |
43 |
46 |
|
57 |
|
$318,750 |
$2,020 |
$60,600 |
|
El Dorado |
46 |
50 |
|
58 |
|
$539,750 |
$3,430 |
$102,900 |
|
Humboldt |
42 |
42 |
|
50 |
|
$369,750 |
$2,350 |
$70,500 |
|
Lake |
48 |
53 |
|
61 |
|
$297,420 |
$1,890 |
$56,700 |
|
Mariposa |
47 |
42 |
|
51 |
|
$305,150 |
$1,940 |
$58,200 |
|
Mendocino |
32 |
36 |
|
41 |
|
$478,130 |
$3,040 |
$91,200 |
|
Mono |
18 |
20 |
|
32 |
|
$701,250 |
$4,450 |
$133,500 |
|
Nevada |
46 |
45 |
|
55 |
|
$447,100 |
$2,840 |
$85,200 |
|
Sutter |
54 |
53 |
|
60 |
|
$345,060 |
$2,190 |
$65,700 |
|
Tuolumne |
55 |
55 |
|
63 |
|
$321,300 |
$2,040 |
$61,200 |
|
Yolo |
42 |
43 |
|
51 |
|
$510,000 |
$3,240 |
$97,200 |
|
Yuba |
51 |
50 |
|
53 |
|
$340,000 |
$2,160 |
$64,800 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
r – revised
Note: The effective interest rate series previously used to calculate C.A.R.’s First-Time Buyer Housing Affordability Index (FTB-HAI) was discontinued in 2008. Beginning with this news release, the FTB-HAI will incorporate an effective interest rate that is based on the one-year, adjustable-rate mortgage (ARM) from Freddie Mac’s Primary Mortgage Market Survey (PMMS). The effective rate accounts for both the one-year ARM rate and the points/fees as reported by Freddie Mac.
