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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
|
Q12025 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q12025 |
Q42024 |
|
Q12024 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
|
|
|
|
|
|
|
|
|
|
CA SFH (SAAR) |
31 |
29 |
|
31 |
|
$719,810 |
$4,750 |
$142,500 |
|
CA Condo/Townhomes |
42 |
41 |
|
41 |
|
$569,500 |
$3,760 |
$112,800 |
|
Los Angeles Metropolitan Area |
30 |
29 |
|
30 |
|
$705,500 |
$4,660 |
$139,800 |
|
Inland Empire |
40 |
41 |
|
40 |
|
$517,790 |
$3,420 |
$102,600 |
|
S.F. Bay Area |
29 |
29 |
|
28 |
|
$1,105,000 |
$7,300 |
$219,000 |
|
US |
55 |
54 |
|
55 |
|
$341,960 |
$2,260 |
$67,800 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
27 |
28 |
|
24 |
|
$1,105,000 |
$7,300 |
$219,000 |
|
Contra Costa |
43 |
41 |
|
42 |
|
$722,500 |
$4,770 |
$143,100 |
|
Marin |
27 |
26 |
|
24 |
|
$1,402,500 |
$9,260 |
$277,800 |
|
Napa |
30 |
34 |
|
32 |
|
$828,750 |
$5,470 |
$164,100 |
|
San Francisco |
27 |
27 |
|
27 |
|
$1,383,380 |
$9,140 |
$274,200 |
|
San Mateo |
24 |
25 |
|
25 |
|
$1,855,020 |
$12,250 |
$367,500 |
|
Santa Clara |
27 |
27 |
|
26 |
|
$1,717,000 |
$11,340 |
$340,200 |
|
Solano |
49 |
48 |
|
48 |
|
$498,020 |
$3,290 |
$98,700 |
|
Sonoma |
35 |
35 |
|
32 |
|
$712,730 |
$4,710 |
$141,300 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
43 |
46 |
|
47 |
|
$339,150 |
$2,240 |
$67,200 |
|
Los Angeles |
27 |
23 |
|
26 |
|
$733,180 |
$4,840 |
$145,200 |
|
Orange |
17 |
18 |
|
17 |
|
$1,232,500 |
$8,140 |
$244,200 |
|
Riverside |
40 |
40 |
|
38 |
|
$544,000 |
$3,590 |
$107,700 |
|
San Bernardino |
49 |
48 |
|
47 |
|
$425,000 |
$2,810 |
$84,300 |
|
San Diego |
25 |
26 |
|
24 |
|
$881,030 |
$5,820 |
$174,600 |
|
Ventura |
30 |
29 |
|
30 |
|
$790,500 |
$5,220 |
$156,600 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
23 |
23 |
|
23 |
|
$792,200 |
$5,230 |
$156,900 |
|
San Luis Obispo |
24 |
24 |
|
23 |
|
$812,160 |
$5,360 |
$160,800 |
|
Santa Barbara |
13 |
18 |
|
20 |
|
$1,281,380 |
$8,460 |
$253,800 |
|
Santa Cruz |
22 |
22 |
|
21 |
|
$1,105,000 |
$7,300 |
$219,000 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
48 |
48 |
|
47 |
|
$369,750 |
$2,440 |
$73,200 |
|
Glenn |
59 |
53 |
|
53 |
|
$276,250 |
$1,820 |
$54,600 |
|
Kern |
48 |
47 |
|
48 |
|
$340,000 |
$2,250 |
$67,500 |
|
Kings |
54 |
55 |
|
55 |
|
$314,500 |
$2,080 |
$62,400 |
|
Madera |
47 |
46 |
|
48 |
|
$374,000 |
$2,470 |
$74,100 |
|
Merced |
45 |
43 |
|
49 |
|
$352,750 |
$2,330 |
$69,900 |
|
Placer |
50 |
50 |
|
50 |
|
$555,900 |
$3,670 |
$110,100 |
|
Sacramento |
47 |
47 |
|
45 |
|
$467,500 |
$3,090 |
$92,700 |
|
San Benito |
49 |
42 |
|
40 |
|
$660,880 |
$4,360 |
$130,800 |
|
San Joaquin |
49 |
48 |
|
44 |
|
$454,750 |
$3,000 |
$90,000 |
|
Stanislaus |
50 |
50 |
|
47 |
|
$399,500 |
$2,640 |
$79,200 |
|
Tulare |
50 |
48 |
|
51 |
|
$323,000 |
$2,130 |
$63,900 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
47 |
46 |
|
46 |
|
$378,250 |
$2,500 |
$75,000 |
|
Lassen |
74 |
69 |
|
68 |
|
$198,900 |
$1,310 |
$39,300 |
|
Plumas |
57 |
53 |
|
54 |
|
$305,580 |
$2,020 |
$60,600 |
|
Shasta |
52 |
53 |
|
54 |
|
$327,250 |
$2,160 |
$64,800 |
|
Siskiyou |
54 |
54 |
|
50 |
|
$272,000 |
$1,800 |
$54,000 |
|
Tehama |
52 |
54 |
|
55 |
|
$297,500 |
$1,960 |
$58,800 |
|
Trinity |
54 |
48 |
|
45 |
|
$228,650 |
$1,510 |
$45,300 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
54 |
54 |
|
49 |
|
$374,000 |
$2,470 |
$74,100 |
|
Calaveras |
56 |
54 |
|
51 |
|
$371,450 |
$2,450 |
$73,500 |
|
Del Norte |
56 |
51 |
|
51 |
|
$280,500 |
$1,850 |
$55,500 |
|
El Dorado |
45 |
44 |
|
43 |
|
$582,250 |
$3,850 |
$115,500 |
|
Humboldt |
45 |
39 |
|
42 |
|
$341,700 |
$2,260 |
$67,800 |
|
Lake |
54 |
55 |
|
51 |
|
$284,750 |
$1,880 |
$56,400 |
|
Mariposa |
44 |
39 |
|
40 |
|
$361,250 |
$2,390 |
$71,700 |
|
Mendocino |
37 |
39 |
|
38 |
|
$451,350 |
$2,980 |
$89,400 |
|
Mono |
9 |
12 |
|
7 |
|
$1,074,100 |
$7,090 |
$212,700 |
|
Nevada |
48 |
47 |
|
44 |
|
$445,400 |
$2,940 |
$88,200 |
|
Sutter |
50 |
45 |
|
51 |
|
$354,240 |
$2,340 |
$70,200 |
|
Tuolumne |
58 |
55 |
|
53 |
|
$331,080 |
$2,190 |
$65,700 |
|
Yolo |
41 |
41 |
|
40 |
|
$527,000 |
$3,480 |
$104,400 |
|
Yuba |
45 |
46 |
|
45 |
|
$382,500 |
$2,530 |
$75,900 |
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.
