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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 2023 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).
|
Q42023 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q42023 |
Q32023 |
|
Q42022 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
15 |
15 |
|
17 |
|
$833,170 |
$5,570 |
$222,800 |
|
CA Condo/Townhomes |
22 |
23 |
|
26 |
|
$650,000 |
$4,350 |
$174,000 |
|
Los Angeles Metropolitan Area |
14 |
14 |
|
18 |
|
$775,000 |
$5,180 |
$207,200 |
|
Inland Empire |
20 |
20 |
|
23 |
|
$565,510 |
$3,780 |
$151,200 |
|
S.F. Bay Area |
19 |
19 |
|
20 |
|
$1,230,000 |
$8,220 |
$328,800 |
|
US |
35 |
34 |
|
38 |
|
$391,700 |
$2,620 |
$104,800 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
16 |
16 |
|
18 |
r |
$1,210,000 |
$8,090 |
$323,600 |
|
Contra Costa |
23 |
22 |
|
25 |
|
$830,000 |
$5,550 |
$222,000 |
|
Marin |
16 |
18 |
|
18 |
|
$1,649,500 |
$11,030 |
$441,200 |
|
Napa |
16 |
15 |
|
16 |
|
$909,000 |
$6,080 |
$243,200 |
|
San Francisco |
20 |
21 |
|
20 |
|
$1,565,000 |
$10,460 |
$418,400 |
|
San Mateo |
17 |
17 |
|
19 |
|
$1,938,400 |
$12,960 |
$518,400 |
|
Santa Clara |
18 |
17 |
|
20 |
|
$1,750,250 |
$11,700 |
$468,000 |
|
Solano |
25 |
24 |
|
27 |
|
$580,000 |
$3,880 |
$155,200 |
|
Sonoma |
15 |
15 |
|
17 |
|
$825,000 |
$5,520 |
$220,800 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Los Angeles |
11 |
11 |
|
13 |
|
$884,410 |
$5,910 |
$236,400 |
|
Orange |
11 |
11 |
|
13 |
|
$1,299,500 |
$8,690 |
$347,600 |
|
Riverside |
19 |
19 |
|
21 |
|
$619,000 |
$4,140 |
$165,600 |
|
San Bernardino |
24 |
25 |
|
29 |
|
$488,970 |
$3,270 |
$130,800 |
|
San Diego |
11 |
11 |
|
15 |
|
$931,600 |
$6,230 |
$249,200 |
|
Ventura |
13 |
13 |
|
16 |
|
$899,950 |
$6,020 |
$240,800 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
8 |
9 |
|
12 |
|
$994,000 |
$6,640 |
$265,600 |
|
San Luis Obispo |
8 |
10 |
|
11 |
|
$907,500 |
$6,070 |
$242,800 |
|
Santa Barbara |
10 |
10 |
|
11 |
|
$1,094,350 |
$7,320 |
$292,800 |
|
Santa Cruz |
13 |
13 |
|
13 |
|
$1,200,000 |
$8,020 |
$320,800 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
28 |
27 |
|
30 |
|
$405,680 |
$2,710 |
$108,400 |
|
Glenn |
30 |
30 |
|
35 |
|
$349,750 |
$2,340 |
$93,600 |
|
Kern |
28 |
28 |
|
30 |
|
$380,000 |
$2,540 |
$101,600 |
|
Kings |
29 |
27 |
|
35 |
|
$362,000 |
$2,420 |
$96,800 |
|
Madera |
29 |
29 |
|
31 |
|
$416,000 |
$2,780 |
$111,200 |
|
Merced |
29 |
30 |
|
34 |
|
$385,000 |
$2,570 |
$102,800 |
|
Placer |
28 |
27 |
|
29 |
|
$650,000 |
$4,350 |
$174,000 |
|
Sacramento |
23 |
23 |
|
28 |
|
$535,000 |
$3,580 |
$143,200 |
|
San Benito |
15 |
16 |
|
18 |
|
$780,000 |
$5,210 |
$208,400 |
|
San Joaquin |
22 |
23 |
|
26 |
r |
$546,100 |
$3,650 |
$146,000 |
|
Stanislaus |
23 |
24 |
|
29 |
|
$465,000 |
$3,110 |
$124,400 |
|
Tulare |
31 |
30 |
|
32 |
|
$365,000 |
$2,440 |
$97,600 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
29 |
28 |
|
29 |
|
$420,830 |
$2,810 |
$112,400 |
|
Lassen |
49 |
58 |
|
54 |
|
$249,500 |
$1,670 |
$66,800 |
|
Plumas |
33 |
31 |
|
31 |
|
$390,000 |
$2,610 |
$104,400 |
|
Shasta |
36 |
35 |
|
39 |
|
$366,500 |
$2,450 |
$98,000 |
|
Siskiyou |
32 |
34 |
|
31 |
|
$306,250 |
$2,050 |
$82,000 |
|
Tehama |
40 |
39 |
|
40 |
|
$308,440 |
$2,060 |
$82,400 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
31 |
26 |
|
34 |
|
$410,000 |
$2,740 |
$109,600 |
|
Calaveras |
31 |
27 |
|
30 |
|
$446,000 |
$2,980 |
$119,200 |
|
Del Norte |
26 |
28 |
|
25 |
|
$410,000 |
$2,740 |
$109,600 |
|
El Dorado |
23 |
23 |
|
25 |
|
$655,500 |
$4,380 |
$175,200 |
|
Humboldt |
24 |
23 |
|
24 |
|
$429,500 |
$2,870 |
$114,800 |
|
Lake |
28 |
30 |
|
28 |
|
$332,500 |
$2,220 |
$88,800 |
|
Mariposa |
18 |
16 |
|
27 |
|
$442,000 |
$2,950 |
$118,000 |
|
Mendocino |
18 |
15 |
|
14 |
|
$477,500 |
$3,190 |
$127,600 |
|
Mono |
5 |
5 |
|
7 |
|
$1,027,500 |
$6,870 |
$274,800 |
|
Nevada |
24 |
23 |
|
27 |
|
$543,000 |
$3,630 |
$145,200 |
|
Sutter |
31 |
31 |
|
33 |
r |
$418,750 |
$2,800 |
$112,000 |
|
Tuolumne |
32 |
31 |
|
36 |
|
$403,750 |
$2,700 |
$108,000 |
|
Yolo |
22 |
23 |
|
24 |
|
$627,740 |
$4,200 |
$168,000 |
|
Yuba |
24 |
26 |
|
30 |
|
$436,250 |
$2,920 |
$116,800 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
