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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 2022 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), 6.80%% (Q422), and 3.97%% (Q122).
|
Q22023 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q22023 |
Q12023 |
|
Q22022 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
16 |
19 |
r |
17 |
r |
$830,620 |
$5,200 |
$208,000 |
|
CA Condo/Townhomes |
25 |
26 |
|
25 |
|
$640,000 |
$4,010 |
$160,400 |
|
Los Angeles Metropolitan Area |
17 |
19 |
|
17 |
|
$760,000 |
$4,760 |
$190,400 |
|
Inland Empire |
22 |
24 |
|
24 |
|
$570,000 |
$3,570 |
$142,800 |
|
S.F. Bay Area |
19 |
21 |
|
18 |
|
$1,300,000 |
$8,150 |
$326,000 |
|
US |
36 |
40 |
|
38 |
|
$402,600 |
$2,520 |
$100,800 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
16 |
18 |
|
15 |
|
$1,275,000 |
$7,990 |
$319,600 |
|
Contra Costa |
23 |
29 |
r |
23 |
r |
$900,000 |
$5,640 |
$225,600 |
|
Marin |
16 |
20 |
|
17 |
|
$1,770,000 |
$11,090 |
$443,600 |
|
Napa |
19 |
20 |
|
16 |
r |
$855,000 |
$5,360 |
$214,400 |
|
San Francisco |
20 |
21 |
|
17 |
|
$1,611,000 |
$10,090 |
$403,600 |
|
San Mateo |
17 |
19 |
|
15 |
|
$2,012,500 |
$12,610 |
$504,400 |
|
Santa Clara |
18 |
21 |
|
18 |
|
$1,800,000 |
$11,280 |
$451,200 |
|
Solano |
26 |
28 |
|
28 |
|
$592,750 |
$3,710 |
$148,400 |
|
Sonoma |
16 |
18 |
|
17 |
|
$850,000 |
$5,330 |
$213,200 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Los Angeles |
15 |
17 |
|
16 |
|
$789,400 |
$4,950 |
$198,000 |
|
Orange |
12 |
12 |
|
12 |
|
$1,250,000 |
$7,830 |
$313,200 |
|
Riverside |
20 |
22 |
|
21 |
|
$625,000 |
$3,920 |
$156,800 |
|
San Bernardino |
30 |
30 |
|
30 |
|
$456,500 |
$2,860 |
$114,400 |
|
San Diego |
13 |
15 |
|
14 |
|
$942,350 |
$5,900 |
$236,000 |
|
Ventura |
14 |
17 |
|
15 |
|
$915,000 |
$5,730 |
$229,200 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
12 |
12 |
|
13 |
|
$865,370 |
$5,420 |
$216,800 |
|
San Luis Obispo |
11 |
12 |
|
12 |
|
$880,000 |
$5,510 |
$220,400 |
|
Santa Barbara |
10 |
15 |
|
10 |
|
$1,195,000 |
$7,490 |
$299,600 |
|
Santa Cruz |
13 |
14 |
|
13 |
|
$1,270,000 |
$7,960 |
$318,400 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
29 |
32 |
|
31 |
|
$420,000 |
$2,630 |
$105,200 |
|
Glenn |
32 |
32 |
|
36 |
|
$349,000 |
$2,190 |
$87,600 |
|
Kern |
31 |
33 |
|
32 |
|
$380,000 |
$2,380 |
$95,200 |
|
Kings |
32 |
33 |
|
39 |
|
$361,000 |
$2,260 |
$90,400 |
|
Madera |
31 |
34 |
|
32 |
|
$423,000 |
$2,650 |
$106,000 |
|
Merced |
31 |
32 |
|
34 |
|
$390,000 |
$2,440 |
$97,600 |
|
Placer |
29 |
31 |
r |
27 |
|
$667,000 |
$4,180 |
$167,200 |
|
Sacramento |
26 |
29 |
|
27 |
|
$530,000 |
$3,320 |
$132,800 |
|
San Benito |
19 |
23 |
|
17 |
|
$755,140 |
$4,730 |
$189,200 |
|
San Joaquin |
26 |
27 |
r |
25 |
r |
$530,000 |
$3,320 |
$132,800 |
|
Stanislaus |
27 |
30 |
r |
28 |
|
$460,000 |
$2,880 |
$115,200 |
|
Tulare |
33 |
37 |
|
34 |
|
$370,000 |
$2,320 |
$92,800 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
29 |
32 |
|
28 |
|
$434,950 |
$2,730 |
$109,200 |
|
Lassen |
52 |
53 |
|
54 |
|
$249,000 |
$1,560 |
$62,400 |
|
Plumas |
38 |
42 |
|
32 |
|
$356,000 |
$2,230 |
$89,200 |
|
Shasta |
35 |
39 |
|
36 |
|
$389,000 |
$2,440 |
$97,600 |
|
Siskiyou |
39 |
41 |
|
30 |
|
$279,500 |
$1,750 |
$70,000 |
|
Tehama |
35 |
40 |
|
33 |
|
$350,000 |
$2,190 |
$87,600 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
28 |
33 |
r |
32 |
|
$461,890 |
$2,890 |
$115,600 |
|
Calaveras |
27 |
32 |
|
29 |
|
$490,000 |
$3,070 |
$122,800 |
|
Del Norte |
30 |
32 |
|
31 |
|
$365,000 |
$2,290 |
$91,600 |
|
El Dorado |
23 |
28 |
|
24 |
|
$699,000 |
$4,380 |
$175,200 |
|
Humboldt |
25 |
26 |
|
24 |
|
$438,000 |
$2,740 |
$109,600 |
|
Lake |
28 |
31 |
|
33 |
|
$357,000 |
$2,240 |
$89,600 |
|
Mariposa |
24 |
25 |
|
22 |
|
$390,000 |
$2,440 |
$97,600 |
|
Mendocino |
17 |
26 |
|
15 |
|
$520,000 |
$3,260 |
$130,400 |
|
Mono |
5 |
7 |
|
6 |
|
$980,000 |
$6,140 |
$245,600 |
|
Nevada |
25 |
29 |
|
25 |
|
$557,500 |
$3,490 |
$139,600 |
|
Sutter |
33 |
36 |
r |
31 |
|
$425,000 |
$2,660 |
$106,400 |
|
Tuolumne |
32 |
36 |
|
33 |
|
$418,300 |
$2,620 |
$104,800 |
|
Yolo |
23 |
28 |
|
23 |
|
$625,000 |
$3,920 |
$156,800 |
|
Yuba |
26 |
28 |
|
28 |
r |
$444,950 |
$2,790 |
$111,600 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
