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C.A.R.'s First-time Buyer Housing Affordability Index (FTB-HAI) measures the percentage of households that can afford to purchase an entry-level home in California. C.A.R. also reports first-time buyer indexes for regions and select counties within the state. The Index is the most fundamental measure of housing well-being for first-time buyers in the state.
Download series: XLS | Historical
First -Time Buyer Housing Affordability Index Methodology
|
Q32025 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q32025 |
Q22025 |
|
Q32024 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
|
|
|
|
|
|
|
|
|
|
CA SFH (SAAR) |
30 |
29 |
|
29 |
|
$754,270 |
$4,920 |
$147,600 |
|
CA Condo/Townhomes |
44 |
42 |
|
41 |
|
$552,490 |
$3,600 |
$108,000 |
|
Los Angeles Metropolitan Area |
30 |
29 |
|
29 |
|
$711,500 |
$4,640 |
$139,200 |
|
Inland Empire |
43 |
41 |
|
41 |
|
$505,750 |
$3,300 |
$99,000 |
|
S.F. Bay Area |
30 |
27 |
|
29 |
|
$1,100,750 |
$7,170 |
$215,100 |
|
US |
54 |
53 |
|
53 |
|
$362,780 |
$2,360 |
$70,800 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
30 |
26 |
|
26 |
|
$1,062,500 |
$6,930 |
$207,900 |
|
Contra Costa |
43 |
40 |
|
41 |
|
$731,000 |
$4,760 |
$142,800 |
|
Marin |
29 |
27 |
|
26 |
|
$1,370,630 |
$8,930 |
$267,900 |
|
Napa |
31 |
30 |
|
30 |
|
$799,000 |
$5,210 |
$156,300 |
|
San Francisco |
29 |
27 |
|
27 |
|
$1,382,530 |
$9,010 |
$270,300 |
|
San Mateo |
26 |
24 |
|
25 |
|
$1,768,000 |
$11,520 |
$345,600 |
|
Santa Clara |
29 |
26 |
|
27 |
|
$1,627,750 |
$10,610 |
$318,300 |
|
Solano |
47 |
49 |
|
47 |
|
$515,100 |
$3,360 |
$100,800 |
|
Sonoma |
36 |
34 |
|
35 |
|
$701,910 |
$4,580 |
$137,400 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
43 |
45 |
|
45 |
|
$355,730 |
$2,320 |
$69,600 |
|
Los Angeles |
24 |
26 |
|
23 |
|
$811,010 |
$5,290 |
$158,700 |
|
Orange |
19 |
18 |
|
17 |
|
$1,190,000 |
$7,760 |
$232,800 |
|
Riverside |
43 |
40 |
|
40 |
r |
$531,250 |
$3,460 |
$103,800 |
|
San Bernardino |
49 |
49 |
|
49 |
r |
$423,130 |
$2,760 |
$82,800 |
|
San Diego |
27 |
26 |
|
25 |
|
$858,080 |
$5,590 |
$167,700 |
|
Ventura |
32 |
29 |
|
28 |
|
$787,100 |
$5,130 |
$153,900 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
21 |
23 |
|
22 |
|
$851,280 |
$5,550 |
$166,500 |
|
San Luis Obispo |
27 |
26 |
|
23 |
|
$789,950 |
$5,150 |
$154,500 |
|
Santa Barbara |
19 |
15 |
|
26 |
|
$1,037,000 |
$6,760 |
$202,800 |
|
Santa Cruz |
21 |
21 |
|
21 |
|
$1,108,590 |
$7,230 |
$216,900 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
48 |
48 |
|
47 |
|
$376,550 |
$2,450 |
$73,500 |
|
Glenn |
56 |
58 |
|
58 |
|
$310,680 |
$2,030 |
$60,900 |
|
Kern |
49 |
48 |
|
47 |
|
$340,000 |
$2,220 |
$66,600 |
|
Kings |
54 |
55 |
|
53 |
|
$320,450 |
$2,090 |
$62,700 |
|
Madera |
50 |
48 |
|
47 |
|
$379,740 |
$2,480 |
$74,400 |
|
Merced |
47 |
45 |
|
45 |
|
$363,160 |
$2,370 |
$71,100 |
|
Placer |
50 |
49 |
|
49 |
|
$573,750 |
$3,740 |
$112,200 |
|
Sacramento |
48 |
47 |
|
45 |
|
$467,500 |
$3,050 |
$91,500 |
|
San Benito |
47 |
42 |
|
42 |
|
$637,500 |
$4,160 |
$124,800 |
|
San Joaquin |
49 |
46 |
|
44 |
|
$463,250 |
$3,020 |
$90,600 |
|
Stanislaus |
48 |
47 |
|
48 |
|
$412,250 |
$2,690 |
$80,700 |
|
Tulare |
52 |
50 |
|
49 |
|
$323,000 |
$2,110 |
$63,300 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
45 |
43 |
|
46 |
|
$391,850 |
$2,550 |
$76,500 |
|
Lassen |
69 |
65 |
|
70 |
|
$218,880 |
$1,430 |
$42,900 |
|
Plumas |
48 |
52 |
|
40 |
r |
$396,530 |
$2,580 |
$77,400 |
|
Shasta |
54 |
53 |
|
52 |
|
$318,750 |
$2,080 |
$62,400 |
|
Siskiyou |
54 |
57 |
|
54 |
r |
$280,080 |
$1,830 |
$54,900 |
|
Tehama |
54 |
48 |
|
54 |
|
$290,280 |
$1,890 |
$56,700 |
|
Trinity |
51 |
48 |
|
52 |
|
$257,110 |
$1,680 |
$50,400 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
55 |
54 |
|
56 |
|
$371,880 |
$2,420 |
$72,600 |
|
Calaveras |
53 |
53 |
|
50 |
|
$401,200 |
$2,620 |
$78,600 |
|
Del Norte |
52 |
48 |
|
45 |
|
$326,400 |
$2,130 |
$63,900 |
|
El Dorado |
48 |
45 |
|
44 |
|
$586,500 |
$3,820 |
$114,600 |
|
Humboldt |
42 |
41 |
|
40 |
|
$379,630 |
$2,470 |
$74,100 |
|
Lake |
47 |
53 |
|
53 |
|
$304,510 |
$1,980 |
$59,400 |
|
Mariposa |
46 |
43 |
|
44 |
|
$361,250 |
$2,350 |
$70,500 |
|
Mendocino |
44 |
38 |
|
34 |
|
$399,500 |
$2,600 |
$78,000 |
|
Mono |
15 |
17 |
|
14 |
|
$917,150 |
$5,980 |
$179,400 |
|
Nevada |
47 |
44 |
|
43 |
|
$467,500 |
$3,050 |
$91,500 |
|
Sutter |
46 |
46 |
|
49 |
|
$386,750 |
$2,520 |
$75,600 |
|
Tuolumne |
54 |
56 |
|
57 |
|
$365,500 |
$2,380 |
$71,400 |
|
Yolo |
42 |
39 |
|
40 |
|
$527,000 |
$3,440 |
$103,200 |
|
Yuba |
48 |
46 |
|
46 |
|
$371,450 |
$2,420 |
$72,600 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
r – revised
Note: The effective interest rate series previously used to calculate C.A.R.’s First-Time Buyer Housing Affordability Index (FTB-HAI) was discontinued in 2008. Beginning with this news release, the FTB-HAI will incorporate an effective interest rate that is based on the one-year, adjustable-rate mortgage (ARM) from Freddie Mac’s Primary Mortgage Market Survey (PMMS). The effective rate accounts for both the one-year ARM rate and the points/fees as reported by Freddie Mac.
