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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
|
Q32026 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q32026 |
Q22026 |
|
Q32025 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
34 |
34 |
|
34 |
r |
$760,440 |
$4,990 |
$149,700 |
|
CA Condo/Townhomes |
49 |
48 |
|
48 |
r |
$544,000 |
$3,570 |
$107,100 |
|
Los Angeles Metropolitan Area |
34 |
33 |
|
30 |
|
$719,980 |
$4,730 |
$141,900 |
|
Inland Empire |
47 |
46 |
|
43 |
|
$510,000 |
$3,350 |
$100,500 |
|
S.F. Bay Area |
33 |
30 |
|
30 |
|
$1,105,000 |
$7,260 |
$217,800 |
|
US |
57 |
58 |
|
58 |
r |
$367,970 |
$2,420 |
$72,600 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
32 |
30 |
|
32 |
r |
$1,083,330 |
$7,110 |
$213,300 |
|
Contra Costa |
46 |
45 |
|
46 |
r |
$743,750 |
$4,880 |
$146,400 |
|
Marin |
32 |
31 |
|
32 |
r |
$1,445,000 |
$9,490 |
$284,700 |
|
Napa |
40 |
40 |
|
38 |
r |
$765,000 |
$5,020 |
$150,600 |
|
San Francisco |
27 |
26 |
|
31 |
r |
$1,700,000 |
$11,160 |
$334,800 |
|
San Mateo |
27 |
27 |
|
29 |
r |
$1,929,500 |
$12,670 |
$380,100 |
|
Santa Clara |
32 |
31 |
|
32 |
r |
$1,632,000 |
$10,720 |
$321,600 |
|
Solano |
53 |
52 |
|
47 |
|
$501,500 |
$3,290 |
$98,700 |
|
Sonoma |
39 |
37 |
|
38 |
r |
$708,050 |
$4,650 |
$139,500 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
47 |
46 |
|
43 |
|
$357,000 |
$2,340 |
$70,200 |
|
Los Angeles |
28 |
32 |
|
27 |
r |
$814,680 |
$5,350 |
$160,500 |
|
Orange |
21 |
21 |
|
22 |
r |
$1,249,500 |
$8,200 |
$246,000 |
|
Riverside |
47 |
48 |
|
48 |
r |
$538,040 |
$3,530 |
$105,900 |
|
San Bernardino |
53 |
55 |
|
53 |
r |
$437,230 |
$2,870 |
$86,100 |
|
San Diego |
30 |
31 |
|
33 |
r |
$913,750 |
$6,000 |
$180,000 |
|
Ventura |
37 |
36 |
|
37 |
r |
$799,000 |
$5,250 |
$157,500 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
28 |
27 |
|
24 |
r |
$798,790 |
$5,250 |
$157,500 |
|
San Luis Obispo |
30 |
31 |
|
33 |
r |
$807,500 |
$5,300 |
$159,000 |
|
Santa Barbara |
20 |
18 |
|
20 |
r |
$1,054,000 |
$6,920 |
$207,600 |
|
Santa Cruz |
24 |
23 |
|
23 |
r |
$1,109,250 |
$7,280 |
$218,400 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
53 |
54 |
|
52 |
r |
$369,750 |
$2,430 |
$72,900 |
|
Glenn |
56 |
62 |
|
56 |
r |
$357,000 |
$2,340 |
$70,200 |
|
Kern |
54 |
55 |
|
55 |
|
$349,350 |
$2,290 |
$68,700 |
|
Kings |
56 |
57 |
|
59 |
r |
$326,230 |
$2,140 |
$64,200 |
|
Madera |
50 |
54 |
|
53 |
r |
$381,650 |
$2,510 |
$75,300 |
|
Merced |
47 |
49 |
|
49 |
r |
$357,000 |
$2,340 |
$70,200 |
|
Placer |
53 |
53 |
|
52 |
r |
$582,250 |
$3,820 |
$114,600 |
|
Sacramento |
53 |
53 |
|
52 |
r |
$467,490 |
$3,070 |
$92,100 |
|
San Benito |
44 |
46 |
|
45 |
r |
$683,060 |
$4,490 |
$134,700 |
|
San Joaquin |
53 |
53 |
|
53 |
r |
$471,750 |
$3,100 |
$93,000 |
|
Stanislaus |
54 |
53 |
|
49 |
r |
$412,250 |
$2,710 |
$81,300 |
|
Tulare |
57 |
59 |
|
58 |
r |
$337,030 |
$2,210 |
$66,300 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
46 |
44 |
|
41 |
r |
$378,250 |
$2,480 |
$74,400 |
|
Lassen |
76 |
67 |
|
69 |
|
$187,000 |
$1,230 |
$36,900 |
|
Plumas |
42 |
43 |
|
48 |
|
$463,250 |
$3,040 |
$91,200 |
|
Shasta |
58 |
59 |
|
57 |
r |
$335,750 |
$2,200 |
$66,000 |
|
Siskiyou |
57 |
55 |
|
54 |
|
$267,750 |
$1,760 |
$52,800 |
|
Tehama |
57 |
53 |
r |
54 |
|
$267,750 |
$1,760 |
$52,800 |
|
Trinity |
60 |
49 |
|
51 |
|
$229,500 |
$1,510 |
$45,300 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
59 |
58 |
|
55 |
|
$379,740 |
$2,490 |
$74,700 |
|
Calaveras |
57 |
54 |
|
53 |
|
$390,580 |
$2,560 |
$76,800 |
|
Del Norte |
52 |
53 |
|
52 |
|
$361,250 |
$2,370 |
$71,100 |
|
El Dorado |
52 |
52 |
|
53 |
r |
$593,730 |
$3,900 |
$117,000 |
|
Humboldt |
45 |
45 |
|
40 |
r |
$365,500 |
$2,400 |
$72,000 |
|
Lake |
55 |
48 |
|
38 |
r |
$272,000 |
$1,790 |
$53,700 |
|
Mariposa |
57 |
44 |
|
46 |
|
$314,500 |
$2,070 |
$62,100 |
|
Mendocino |
42 |
43 |
|
47 |
r |
$446,250 |
$2,930 |
$87,900 |
|
Mono |
12 |
9 |
|
15 |
|
$1,189,150 |
$7,810 |
$234,300 |
|
Nevada |
53 |
50 |
|
56 |
r |
$467,500 |
$3,070 |
$92,100 |
|
Sutter |
53 |
53 |
|
53 |
r |
$382,080 |
$2,510 |
$75,300 |
|
Tuolumne |
61 |
59 |
|
54 |
|
$331,500 |
$2,180 |
$65,400 |
|
Yolo |
46 |
45 |
|
45 |
r |
$544,000 |
$3,570 |
$107,100 |
|
Yuba |
55 |
56 |
|
56 |
r |
$388,450 |
$2,550 |
$76,500 |
Feel free to email us your questions, feedback or other comments to [email protected].
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.
