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C.A.R. conducts survey research with members and consumers on a regular basis to get a better understanding of the housing market and the real estate industry.
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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 2021 Housing Affordability by Ethnicity
Traditional Housing Affordability Index Methodology
Traditional Housing Affordability Indices (HAI) were calculated based on the following effective composite interest rates: 5.72% (Q322), 5.39% (Q222), and 3.07% (Q321).
|
Q42022 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q42022 |
Q32022 |
|
Q42021 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
17 |
18 |
|
25 |
|
$790,020 |
$5,030 |
$201,200 |
|
CA Condo/Townhomes |
26 |
27 |
|
36 |
|
$610,000 |
$3,880 |
$155,200 |
|
Los Angeles Metropolitan Area |
18 |
19 |
|
26 |
|
$729,000 |
$4,640 |
$185,600 |
|
Inland Empire |
23 |
25 |
|
35 |
|
$540,000 |
$3,440 |
$137,600 |
|
S.F. Bay Area |
20 |
20 |
|
23 |
|
$1,199,000 |
$7,630 |
$305,200 |
|
US |
38 |
39 |
|
51 |
|
$378,700 |
$2,410 |
$96,400 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
17 |
17 |
|
20 |
|
$1,165,000 |
$7,420 |
$296,800 |
|
Contra Costa |
25 |
25 |
|
33 |
|
$840,000 |
$5,350 |
$214,000 |
|
Marin |
18 |
18 |
|
23 |
|
$1,580,000 |
$10,060 |
$402,400 |
|
Napa |
16 |
13 |
|
24 |
|
$920,000 |
$5,860 |
$234,400 |
|
San Francisco |
20 |
20 |
|
21 |
|
$1,575,000 |
$10,030 |
$401,200 |
|
San Mateo |
19 |
19 |
|
19 |
|
$1,800,000 |
$11,460 |
$458,400 |
|
Santa Clara |
20 |
20 |
|
22 |
|
$1,577,500 |
$10,040 |
$401,600 |
|
Solano |
28 |
30 |
|
42 |
|
$569,000 |
$3,620 |
$144,800 |
|
Sonoma |
17 |
19 |
|
28 |
|
$805,000 |
$5,130 |
$205,200 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Los Angeles |
13 |
14 |
r |
20 |
r |
$829,130 |
$5,280 |
$211,200 |
|
Orange |
13 |
13 |
|
17 |
|
$1,132,000 |
$7,210 |
$288,400 |
|
Riverside |
21 |
23 |
|
32 |
|
$585,000 |
$3,730 |
$149,200 |
|
San Bernardino |
29 |
31 |
|
42 |
|
$458,000 |
$2,920 |
$116,800 |
|
San Diego |
15 |
15 |
|
23 |
|
$857,000 |
$5,460 |
$218,400 |
|
Ventura |
16 |
17 |
|
24 |
|
$850,000 |
$5,410 |
$216,400 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
12 |
13 |
|
19 |
|
$828,000 |
$5,270 |
$210,800 |
|
San Luis Obispo |
11 |
13 |
|
22 |
|
$843,000 |
$5,370 |
$214,800 |
|
Santa Barbara |
11 |
12 |
|
20 |
|
$975,000 |
$6,210 |
$248,400 |
|
Santa Cruz |
13 |
14 |
|
17 |
|
$1,275,000 |
$8,120 |
$324,800 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
30 |
32 |
|
40 |
|
$399,000 |
$2,540 |
$101,600 |
|
Glenn |
35 |
34 |
|
43 |
|
$307,000 |
$1,950 |
$78,000 |
|
Kern |
30 |
34 |
|
43 |
|
$374,900 |
$2,390 |
$95,600 |
|
Kings |
35 |
40 |
|
54 |
|
$330,000 |
$2,100 |
$84,000 |
|
Madera |
31 |
34 |
|
42 |
|
$410,000 |
$2,610 |
$104,400 |
|
Merced |
34 |
34 |
|
45 |
|
$360,000 |
$2,290 |
$91,600 |
|
Placer |
29 |
30 |
|
39 |
|
$630,000 |
$4,010 |
$160,400 |
|
Sacramento |
28 |
29 |
|
39 |
|
$500,000 |
$3,180 |
$127,200 |
|
San Benito |
18 |
20 |
|
27 |
|
$760,000 |
$4,840 |
$193,600 |
|
San Joaquin |
28 |
29 |
|
38 |
|
$496,500 |
$3,160 |
$126,400 |
|
Stanislaus |
29 |
30 |
|
40 |
|
$429,000 |
$2,730 |
$109,200 |
|
Tulare |
32 |
36 |
|
44 |
|
$359,900 |
$2,290 |
$91,600 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
29 |
30 |
|
35 |
|
$429,500 |
$2,730 |
$109,200 |
|
Lassen |
54 |
56 |
|
63 |
|
$232,500 |
$1,480 |
$59,200 |
|
Plumas |
31 |
28 |
|
39 |
|
$396,940 |
$2,530 |
$101,200 |
|
Shasta |
39 |
39 |
|
45 |
|
$355,000 |
$2,260 |
$90,400 |
|
Siskiyou |
31 |
31 |
|
44 |
|
$325,000 |
$2,070 |
$82,800 |
|
Tehama |
40 |
39 |
|
40 |
|
$290,000 |
$1,850 |
$74,000 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
34 |
34 |
|
43 |
|
$389,000 |
$2,480 |
$99,200 |
|
Calaveras |
30 |
32 |
|
40 |
|
$440,000 |
$2,800 |
$112,000 |
|
Del Norte |
25 |
27 |
|
39 |
|
$375,000 |
$2,390 |
$95,600 |
|
El Dorado |
25 |
27 |
|
37 |
|
$635,000 |
$4,040 |
$161,600 |
|
Humboldt |
24 |
23 |
|
30 |
|
$435,000 |
$2,770 |
$110,800 |
|
Lake |
28 |
33 |
|
43 |
|
$349,900 |
$2,230 |
$89,200 |
|
Mariposa |
27 |
21 |
|
30 |
|
$359,000 |
$2,290 |
$91,600 |
|
Mendocino |
14 |
18 |
|
22 |
|
$562,500 |
$3,580 |
$143,200 |
|
Mono |
7 |
8 |
|
13 |
|
$825,000 |
$5,250 |
$210,000 |
|
Nevada |
27 |
25 |
|
37 |
|
$526,000 |
$3,350 |
$134,000 |
|
Sutter |
34 |
32 |
|
41 |
|
$405,950 |
$2,580 |
$103,200 |
|
Tuolumne |
36 |
35 |
|
45 |
|
$378,000 |
$2,410 |
$96,400 |
|
Yolo |
24 |
24 |
|
33 |
|
$600,000 |
$3,820 |
$152,800 |
|
Yuba |
30 |
29 |
|
36 |
|
$400,000 |
$2,550 |
$102,000 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
