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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.


Download series:  XLS Historical

Download presentation:  PPT  |  PDF

Q3-2019

C.A.R. Traditional Housing Affordability Index

STATE/REGION/COUNTY

Q3-2019

Q2-2019

 

Q3-2018

Median Home Price

Monthly Payment Including Taxes & Insurance

Minimum Qualifying Income

CA SFH (SAAR)

31

30

 

27

 

$613,470

$3,010

$120,400

CA Condo/Townhomes

43

40

 

36

 

$465,000

$2,280

$91,200

Los Angeles Metropolitan Area

33

32

 

30

 

$547,250

$2,680

$107,200

Inland Empire

44

42

 

41

 

$380,000

$1,860

$74,400

S.F. Bay Area

29

24

 

21

 

$910,000

$4,460

$178,400

US

56

55

 

53

 

$280,200

$1,370

$54,800

 

 

 

 

 

 

 

 

 

S.F. Bay Area

 

 

 

 

 

 

 

 

Alameda

26

23

 

18

 

$920,000

$4,510

$180,400

Contra Costa

39

35

 

32

 

$665,000

$3,260

$130,400

Marin

22

21

 

19

 

$1,275,000

$6,250

$250,000

Napa

29

28

 

24

 

$725,250

$3,550

$142,000

San Francisco

18

17

 

15

 

$1,580,000

$7,740

$309,600

San Mateo

20

18

 

14

 

$1,510,000

$7,400

$296,000

Santa Clara

22

20

 

17

 

$1,240,000

$6,080

$243,200

Solano

47

46

 

38

 

$460,000

$2,250

$90,000

Sonoma

28

28

 

22

 

$673,250

$3,300

$132,000

Southern California

 

 

 

 

 

 

 

 

Los Angeles

25

29

 

22

 

$649,570

$3,180

$127,200

Orange

25

24

 

20

 

$826,000

$4,050

$162,000

Riverside

41

39

 

37

 

$420,000

$2,060

$82,400

San Bernardino

51

50

 

48

 

$315,000

$1,540

$61,600

San Diego

29

27

 

23

 

$645,000

$3,160

$126,400

Ventura

30

30

 

28

 

$667,500

$3,270

$130,800

Central Coast

 

 

 

 

 

 

 

 

Monterey

24

24

 

20

 

$649,000

$3,180

$127,200

San Luis Obispo

27

25

 

21

 

$635,000

$3,110

$124,400

Santa Barbara

22

20

 

26

 

$710,000

$3,480

$139,200

Santa Cruz

22

17

 

12

 

$855,000

$4,190

$167,600

Central Valley

 

 

 

 

 

 

 

 

Fresno

49

48

 

46

 

$285,500

$1,400

$56,000

Kern

51

50

 

53

 

$260,000

$1,270

$50,800

Kings

55

55

 

51

 

$257,000

$1,260

$50,400

Madera

52

51

 

48

 

$282,880

$1,390

$55,600

Merced

49

47

 

40

 

$279,000

$1,370

$54,800

Placer

48

45

 

42

 

$499,000

$2,450

$98,000

Sacramento

45

44

 

42

 

$388,000

$1,900

$76,000

San Benito

35

35

 

27

 

$589,500

$2,890

$115,600

San Joaquin

44

44

 

38

 

$385,000

$1,890

$75,600

Stanislaus

48

48

 

45

 

$335,000

$1,640

$65,600

Tulare

51

50

 

47

 

$250,000

$1,230

$49,200

Other Counties in California

 

 

 

 

 

 

 

 

Amador

49

46

r

NA

 

$320,000

$1,570

$62,800

Butte

38

35

 

39

 

$360,000

$1,760

$70,400

Calaveras

49

46

 

43

 

$330,000

$1,620

$64,800

El Dorado

42

40

 

41

 

$509,600

$2,500

$100,000

Humboldt

37

37

 

33

 

$330,250

$1,620

$64,800

Lake

47

44

 

39

 

$259,500

$1,270

$50,800

Lassen

64

63

 

67

 

$204,000

$1,000

$40,000

Mariposa

44

45

 

40

 

$316,500

$1,550

$62,000

Mendocino

30

29

 

23

 

$405,000

$1,980

$79,200

Mono

17

15

 

11

 

$697,500

$3,420

$136,800

Nevada

41

40

 

32

 

$417,500

$2,050

$82,000

Plumas

46

37

 

44

 

$316,500

$1,550

$62,000

Shasta

47

47

 

44

 

$285,000

$1,400

$56,000

Siskiyou

51

49

 

47

 

$225,000

$1,100

$44,000

Sutter

47

46

 

45

 

$315,000

$1,540

$61,600

Tehama

46

47

 

49

 

$255,500

$1,250

$50,000

Tuolumne

49

48

 

41

 

$300,000

$1,470

$58,800

Yolo

39

40

 

35

 

$469,000

$2,300

$92,000

Yuba

48

46

 

48

 

$299,950

$1,470

$58,800

 

Traditional Housing Affordability Index Methodology

Source: CALIFORNIA ASSOCIATION OF REALTORS®


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