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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

Q32020

C.A.R. Traditional Housing Affordability Index

STATE/REGION/COUNTY

Q32020

Q22020

 

Q32019

Median Home Price

Monthly Payment Including Taxes & Insurance

Minimum Qualifying Income

CA SFH (SAAR)

28

33

 

31

 

$693,680

$3,180

$127,200

CA Condo/Townhomes

42

44

 

43

 

$512,000

$2,350

$94,000

Los Angeles Metropolitan Area

31

36

 

33

 

$610,000

$2,800

$112,000

Inland Empire

42

46

 

44

 

$435,000

$2,000

$80,000

S.F. Bay Area

26

28

 

29

 

$1,057,500

$4,850

$194,000

US

5

57

 

56

 

$313,500

$1,440

$57,600

 

 

 

 

 

 

 

 

 

S.F. Bay Area

 

 

 

 

 

 

 

 

Alameda

24

26

 

26

 

$1,034,500

$4,750

$190,000

Contra Costa

34

37

 

39

 

$790,000

$3,620

$144,800

Marin

22

22

 

22

 

$1,540,000

$7,060

$282,400

Napa

27

33

 

29

 

$825,000

$3,780

$151,200

San Francisco

20

19

 

18

 

$1,665,000

$7,640

$305,600

San Mateo

19

19

 

20

 

$1,765,000

$8,100

$324,000

Santa Clara

22

22

 

22

 

$1,400,000

$6,420

$256,800

Solano

45

46

 

47

 

$500,000

$2,290

$91,600

Sonoma

29

31

 

28

 

$715,000

$3,280

$131,200

Southern California

 

 

 

 

 

 

 

 

Los Angeles

23

32

 

25

 

$708,870

$3,250

$130,000

Orange

23

25

 

25

 

$910,000

$4,170

$166,800

Riverside

40

43

 

41

 

$475,000

$2,180

$87,200

San Bernardino

51

54

 

51

 

$350,500

$1,610

$64,400

San Diego

27

30

 

29

 

$729,000

$3,340

$133,600

Ventura

28

31

 

30

 

$750,000

$3,440

$137,600

Central Coast

 

 

 

 

 

 

 

 

Monterey

19

25

 

24

 

$800,000

$3,670

$146,800

San Luis Obispo

28

31

 

27

 

$668,420

$3,070

$122,800

Santa Barbara

17

31

 

22

 

$975,500

$4,480

$179,200

Santa Cruz

19

23

 

22

 

$1,050,000

$4,820

$192,800

Central Valley

 

 

 

 

 

 

 

 

Fresno

48

51

 

49

 

$322,000

$1,480

$59,200

Glenn

49

46

 

NA

 

$284,500

$1,310

$52,400

Kern

49

50

 

51

 

$287,000

$1,320

$52,800

Kings

59

60

 

55

 

$267,500

$1,230

$49,200

Madera

49

51

 

52

 

$321,950

$1,480

$59,200

Merced

44

48

 

49

 

$320,340

$1,470

$58,800

Placer

43

45

 

48

 

$539,000

$2,470

$98,800

Sacramento

44

46

 

45

 

$429,900

$1,970

$78,800

San Benito

32

39

 

35

 

$665,000

$3,050

$122,000

San Joaquin

44

45

 

44

 

$423,000

$1,940

$77,600

Stanislaus

47

49

 

48

 

$370,000

$1,700

$68,000

Tulare

50

52

 

51

 

$275,000

$1,260

$50,400

Far North

 

 

 

 

 

 

 

 

Butte

35

38

 

38

 

$402,800

$1,850

$74,000

Lassen

63

68

 

64

 

$239,000

$1,100

$44,000

Plumas

39

52

 

46

 

$389,500

$1,790

$71,600

Shasta

50

52

 

47

 

$315,000

$1,450

$58,000

Siskiyou

49

54

 

51

 

$260,000

$1,190

$47,600

Tehama

48

54

 

46

 

$277,750

$1,270

$50,800

Other Counties in California

 

 

 

 

 

 

 

 

Amador

50

53

 

49

 

$355,000

$1,630

$65,200

Calaveras

47

49

 

49

 

$368,000

$1,690

$67,600

Del Norte

39

43

 

NA

 

$314,000

$1,440

$57,600

El Dorado

40

44

 

42

 

$570,000

$2,610

$104,400

Humboldt

41

43

 

37

 

$345,000

$1,580

$63,200

Lake

47

47

 

47

 

$309,000

$1,420

$56,800

Mariposa

35

43

 

44

 

$415,000

$1,900

$76,000

Mendocino

31

38

 

30

 

$493,000

$2,260

$90,400

Mono

16

17

 

17

 

$736,500

$3,380

$135,200

Nevada

41

45

 

41

 

$479,000

$2,200

$88,000

Sutter

47

50

 

47

 

$349,900

$1,610

$64,400

Tuolumne

52

54

 

49

 

$325,000

$1,490

$59,600

Yolo

38

43

 

39

 

$523,360

$2,400

$96,000

Yuba

51

52

 

48

 

$340,000

$1,560

$62,400

 

Traditional Housing Affordability Index Methodology

Source: CALIFORNIA ASSOCIATION OF REALTORS®


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