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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 2025 Housing Affordability by Ethnicity
Traditional Housing Affordability Index Methodology
Traditional Housing Affordability Indices (HAI) were calculated based on the following effective composite interest rates: 6.35%% (Q425), 6.67%% (Q325), and 6.76%% (Q424).
|
Q12026 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q12026 |
Q42025 |
|
Q12025 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
22 |
21 |
r |
19 |
r |
$843,390 |
$5,120 |
$204,800 |
|
CA Condo/Townhomes |
32 |
31 |
r |
27 |
r |
$648,000 |
$3,930 |
$157,200 |
|
Los Angeles Metropolitan Area |
18 |
17 |
|
15 |
|
$825,000 |
$5,010 |
$200,400 |
|
Inland Empire |
26 |
24 |
|
21 |
|
$599,930 |
$3,640 |
$145,600 |
|
S.F. Bay Area |
24 |
23 |
|
21 |
|
$1,300,000 |
$7,890 |
$315,600 |
|
US |
44 |
42 |
r |
40 |
r |
$404,300 |
$2,450 |
$98,000 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
23 |
24 |
r |
20 |
r |
$1,300,000 |
$7,890 |
$315,600 |
|
Contra Costa |
30 |
29 |
r |
27 |
r |
$840,000 |
$5,100 |
$204,000 |
|
Marin |
26 |
27 |
r |
23 |
r |
$1,649,000 |
$10,010 |
$400,400 |
|
Napa |
24 |
23 |
r |
19 |
r |
$900,000 |
$5,460 |
$218,400 |
|
San Francisco |
20 |
22 |
r |
22 |
r |
$1,975,500 |
$11,990 |
$479,600 |
|
San Mateo |
20 |
20 |
r |
17 |
r |
$2,200,000 |
$13,360 |
$534,400 |
|
Santa Clara |
22 |
23 |
r |
20 |
r |
$2,030,000 |
$12,320 |
$492,800 |
|
Solano |
34 |
32 |
r |
29 |
r |
$570,000 |
$3,460 |
$138,400 |
|
Sonoma |
22 |
21 |
r |
19 |
r |
$826,000 |
$5,010 |
$200,400 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
27 |
25 |
|
25 |
r |
$440,000 |
$2,670 |
$106,800 |
|
Los Angeles |
18 |
15 |
r |
16 |
r |
$858,510 |
$5,210 |
$208,400 |
|
Orange |
16 |
16 |
r |
13 |
r |
$1,442,930 |
$8,760 |
$350,400 |
|
Riverside |
29 |
29 |
r |
24 |
r |
$639,990 |
$3,890 |
$155,600 |
|
San Bernardino |
35 |
34 |
r |
31 |
r |
$500,000 |
$3,040 |
$121,600 |
|
San Diego |
17 |
19 |
r |
15 |
r |
$1,050,000 |
$6,370 |
$254,800 |
|
Ventura |
20 |
20 |
r |
17 |
r |
$945,000 |
$5,740 |
$229,600 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
15 |
14 |
r |
11 |
r |
$902,500 |
$5,480 |
$219,200 |
|
San Luis Obispo |
17 |
20 |
r |
14 |
r |
$980,500 |
$5,950 |
$238,000 |
|
Santa Barbara |
12 |
13 |
r |
10 |
r |
$1,342,500 |
$8,150 |
$326,000 |
|
Santa Cruz |
17 |
16 |
r |
15 |
|
$1,276,500 |
$7,750 |
$310,000 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
37 |
37 |
r |
33 |
r |
$430,000 |
$2,610 |
$104,400 |
|
Glenn |
44 |
42 |
|
40 |
|
$342,500 |
$2,080 |
$83,200 |
|
Kern |
39 |
40 |
r |
35 |
r |
$407,500 |
$2,470 |
$98,800 |
|
Kings |
40 |
42 |
r |
40 |
r |
$380,500 |
$2,310 |
$92,400 |
|
Madera |
38 |
38 |
r |
31 |
r |
$430,750 |
$2,620 |
$104,800 |
|
Merced |
34 |
33 |
r |
28 |
r |
$406,000 |
$2,460 |
$98,400 |
|
Placer |
36 |
35 |
r |
32 |
r |
$649,000 |
$3,940 |
$157,600 |
|
Sacramento |
34 |
34 |
r |
30 |
r |
$545,000 |
$3,310 |
$132,400 |
|
San Benito |
25 |
25 |
r |
23 |
r |
$800,000 |
$4,860 |
$194,400 |
|
San Joaquin |
34 |
33 |
r |
31 |
r |
$540,000 |
$3,280 |
$131,200 |
|
Stanislaus |
34 |
33 |
r |
31 |
r |
$472,125 |
$2,870 |
$114,800 |
|
Tulare |
40 |
41 |
r |
36 |
r |
$392,764 |
$2,380 |
$95,200 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
28 |
26 |
r |
24 |
r |
$430,000 |
$2,610 |
$104,400 |
|
Lassen |
61 |
57 |
|
56 |
|
$217,000 |
$1,320 |
$52,800 |
|
Plumas |
45 |
39 |
|
38 |
|
$355,000 |
$2,160 |
$86,400 |
|
Shasta |
39 |
41 |
r |
34 |
r |
$396,500 |
$2,410 |
$96,400 |
|
Siskiyou |
37 |
39 |
|
35 |
|
$337,500 |
$2,050 |
$82,000 |
|
Tehama |
41 |
42 |
r |
34 |
r |
$325,000 |
$1,970 |
$78,800 |
|
Trinity |
32 |
44 |
|
35 |
|
$308,850 |
$1,870 |
$74,800 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
38 |
38 |
|
35 |
|
$445,000 |
$2,700 |
$108,000 |
|
Calaveras |
37 |
39 |
|
36 |
|
$470,000 |
$2,850 |
$114,000 |
|
Del Norte |
40 |
36 |
|
38 |
|
$367,500 |
$2,230 |
$89,200 |
|
El Dorado |
37 |
39 |
r |
32 |
r |
$690,000 |
$4,190 |
$167,600 |
|
Humboldt |
30 |
28 |
r |
26 |
|
$406,000 |
$2,460 |
$98,400 |
|
Lake |
29 |
24 |
r |
27 |
r |
$327,500 |
$1,990 |
$79,600 |
|
Mariposa |
30 |
29 |
|
28 |
r |
$450,000 |
$2,730 |
$109,200 |
|
Mendocino |
31 |
30 |
r |
22 |
r |
$484,500 |
$2,940 |
$117,600 |
|
Mono |
6 |
10 |
|
5 |
|
$1,650,000 |
$10,020 |
$400,800 |
|
Nevada |
39 |
39 |
r |
39 |
r |
$550,000 |
$3,340 |
$133,600 |
|
Sutter |
37 |
38 |
r |
39 |
r |
$457,500 |
$2,780 |
$111,200 |
|
Tuolumne |
43 |
43 |
|
40 |
|
$390,000 |
$2,370 |
$94,800 |
|
Yolo |
32 |
30 |
r |
27 |
r |
$605,000 |
$3,670 |
$146,800 |
|
Yuba |
38 |
39 |
r |
34 |
r |
$449,900 |
$2,730 |
$109,200 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
