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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).
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Q32023 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q32023 |
Q22023 |
|
Q32022 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
15 |
16 |
|
18 |
|
$843,600 |
$5,530 |
$221,200 |
|
CA Condo/Townhomes |
23 |
25 |
|
28 |
r |
$650,000 |
$4,260 |
$170,400 |
|
Los Angeles Metropolitan Area |
14 |
17 |
|
19 |
|
$789,000 |
$5,170 |
$206,800 |
|
Inland Empire |
20 |
22 |
|
25 |
|
$565,000 |
$3,700 |
$148,000 |
|
S.F. Bay Area |
19 |
19 |
|
20 |
|
$1,275,000 |
$8,350 |
$334,000 |
|
US |
34 |
36 |
|
39 |
|
$406,900 |
$2,670 |
$106,800 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
16 |
16 |
|
17 |
|
$1,275,000 |
$8,350 |
$334,000 |
|
Contra Costa |
22 |
23 |
|
26 |
r |
$870,000 |
$5,700 |
$228,000 |
|
Marin |
18 |
16 |
|
18 |
|
$1,590,000 |
$10,410 |
$416,400 |
|
Napa |
15 |
19 |
|
14 |
r |
$942,500 |
$6,170 |
$246,800 |
|
San Francisco |
21 |
20 |
|
20 |
|
$1,550,000 |
$10,150 |
$406,000 |
|
San Mateo |
17 |
17 |
|
19 |
|
$1,970,000 |
$12,900 |
$516,000 |
|
Santa Clara |
17 |
18 |
|
20 |
|
$1,850,000 |
$12,120 |
$484,800 |
|
Solano |
24 |
26 |
|
29 |
r |
$595,000 |
$3,900 |
$156,000 |
|
Sonoma |
15 |
16 |
|
19 |
|
$850,000 |
$5,570 |
$222,800 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Los Angeles |
11 |
15 |
|
14 |
|
$897,610 |
$5,880 |
$235,200 |
|
Orange |
11 |
12 |
|
13 |
|
$1,305,000 |
$8,550 |
$342,000 |
|
Riverside |
19 |
20 |
|
23 |
|
$610,000 |
$4,000 |
$160,000 |
|
San Bernardino |
25 |
30 |
|
31 |
|
$485,000 |
$3,180 |
$127,200 |
|
San Diego |
11 |
13 |
|
15 |
|
$978,500 |
$6,410 |
$256,400 |
|
Ventura |
13 |
14 |
|
17 |
|
$925,000 |
$6,060 |
$242,400 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
9 |
12 |
|
13 |
|
$918,000 |
$6,010 |
$240,400 |
|
San Luis Obispo |
10 |
11 |
|
13 |
|
$865,000 |
$5,670 |
$226,800 |
|
Santa Barbara |
10 |
10 |
|
12 |
|
$1,090,000 |
$7,140 |
$285,600 |
|
Santa Cruz |
13 |
13 |
|
14 |
|
$1,243,500 |
$8,140 |
$325,600 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
27 |
29 |
|
32 |
|
$420,000 |
$2,750 |
$110,000 |
|
Glenn |
30 |
32 |
|
34 |
|
$355,000 |
$2,330 |
$93,200 |
|
Kern |
28 |
31 |
|
34 |
|
$390,000 |
$2,550 |
$102,000 |
|
Kings |
27 |
32 |
|
40 |
|
$380,000 |
$2,490 |
$99,600 |
|
Madera |
29 |
31 |
|
34 |
|
$425,000 |
$2,780 |
$111,200 |
|
Merced |
30 |
31 |
|
34 |
|
$386,000 |
$2,530 |
$101,200 |
|
Placer |
27 |
29 |
|
30 |
|
$665,000 |
$4,360 |
$174,400 |
|
Sacramento |
23 |
26 |
|
29 |
|
$542,000 |
$3,550 |
$142,000 |
|
San Benito |
16 |
19 |
|
20 |
|
$753,750 |
$4,940 |
$197,600 |
|
San Joaquin |
23 |
26 |
|
27 |
r |
$545,000 |
$3,570 |
$142,800 |
|
Stanislaus |
24 |
27 |
|
30 |
|
$468,100 |
$3,070 |
$122,800 |
|
Tulare |
30 |
33 |
|
36 |
|
$375,000 |
$2,460 |
$98,400 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
28 |
29 |
|
30 |
|
$430,710 |
$2,820 |
$112,800 |
|
Lassen |
58 |
52 |
|
56 |
|
$212,500 |
$1,390 |
$55,600 |
|
Plumas |
31 |
38 |
|
28 |
|
$409,500 |
$2,680 |
$107,200 |
|
Shasta |
35 |
35 |
|
39 |
|
$379,250 |
$2,480 |
$99,200 |
|
Siskiyou |
34 |
39 |
|
31 |
|
$300,000 |
$1,960 |
$78,400 |
|
Tehama |
39 |
35 |
|
39 |
|
$315,000 |
$2,060 |
$82,400 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
26 |
28 |
|
34 |
|
$460,000 |
$3,010 |
$120,400 |
|
Calaveras |
27 |
27 |
|
32 |
|
$483,000 |
$3,160 |
$126,400 |
|
Del Norte |
28 |
30 |
|
27 |
|
$377,500 |
$2,470 |
$98,800 |
|
El Dorado |
23 |
23 |
|
27 |
|
$665,000 |
$4,360 |
$174,400 |
|
Humboldt |
23 |
25 |
|
23 |
|
$437,500 |
$2,870 |
$114,800 |
|
Lake |
30 |
28 |
|
33 |
|
$320,000 |
$2,100 |
$84,000 |
|
Mariposa |
16 |
24 |
|
21 |
|
$464,500 |
$3,040 |
$121,600 |
|
Mendocino |
15 |
17 |
|
18 |
|
$527,500 |
$3,460 |
$138,400 |
|
Mono |
5 |
5 |
|
8 |
|
$940,000 |
$6,160 |
$246,400 |
|
Nevada |
23 |
25 |
|
25 |
|
$563,150 |
$3,690 |
$147,600 |
|
Sutter |
31 |
33 |
|
32 |
|
$425,000 |
$2,780 |
$111,200 |
|
Tuolumne |
31 |
32 |
|
35 |
|
$415,000 |
$2,720 |
$108,800 |
|
Yolo |
23 |
23 |
|
25 |
r |
$620,000 |
$4,060 |
$162,400 |
|
Yuba |
26 |
26 |
|
29 |
|
$426,950 |
$2,800 |
$112,000 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
