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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 2023 Housing Affordability by Ethnicity
Traditional Housing Affordability Index Methodology
Traditional Housing Affordability Indices (HAI) were calculated based on the following effective composite interest rates: 7.14%% (Q323), 7.10%% (Q224), and 6.63%% (Q324).
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Q32024 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q32024 |
Q22024 |
|
Q32023 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
16 |
14 |
|
15 |
|
$880,250 |
$5,520 |
$220,800 |
|
CA Condo/Townhomes |
25 |
22 |
|
23 |
|
$670,000 |
$4,200 |
$168,000 |
|
Los Angeles Metropolitan Area |
15 |
13 |
|
14 |
|
$827,000 |
$5,190 |
$207,600 |
|
Inland Empire |
22 |
20 |
|
20 |
|
$590,000 |
$3,700 |
$148,000 |
|
S.F. Bay Area |
21 |
18 |
|
19 |
|
$1,275,000 |
$8,000 |
$320,000 |
|
US |
35 |
33 |
|
34 |
|
$418,700 |
$2,630 |
$105,200 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
18 |
16 |
|
16 |
|
$1,275,000 |
$8,000 |
$320,000 |
|
Contra Costa |
25 |
21 |
|
22 |
|
$875,000 |
$5,490 |
$219,600 |
|
Marin |
20 |
16 |
|
18 |
|
$1,575,000 |
$9,880 |
$395,200 |
|
Napa |
15 |
14 |
|
15 |
|
$975,000 |
$6,120 |
$244,800 |
|
San Francisco |
21 |
19 |
|
21 |
|
$1,580,000 |
$9,910 |
$396,400 |
|
San Mateo |
17 |
16 |
|
17 |
|
$2,050,000 |
$12,860 |
$514,400 |
|
Santa Clara |
19 |
16 |
|
17 |
|
$1,900,000 |
$11,920 |
$476,800 |
|
Solano |
26 |
24 |
|
24 |
|
$600,000 |
$3,760 |
$150,400 |
|
Sonoma |
18 |
16 |
|
15 |
|
$835,000 |
$5,240 |
$209,600 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
28 |
26 |
|
27 |
|
$395,000 |
$2,480 |
$99,200 |
|
Los Angeles |
11 |
13 |
|
11 |
|
$947,480 |
$5,940 |
$237,600 |
|
Orange |
12 |
11 |
|
11 |
|
$1,398,500 |
$8,770 |
$350,800 |
|
Riverside |
21 |
18 |
|
19 |
|
$635,000 |
$3,980 |
$159,200 |
|
San Bernardino |
27 |
25 |
|
25 |
|
$510,000 |
$3,200 |
$128,000 |
|
San Diego |
12 |
11 |
|
11 |
|
$1,010,000 |
$6,340 |
$253,600 |
|
Ventura |
13 |
12 |
|
13 |
|
$950,000 |
$5,960 |
$238,400 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
10 |
8 |
|
9 |
|
$950,000 |
$5,960 |
$238,400 |
|
San Luis Obispo |
11 |
11 |
|
10 |
|
$940,500 |
$5,900 |
$236,000 |
|
Santa Barbara |
13 |
9 |
|
10 |
|
$950,000 |
$5,960 |
$238,400 |
|
Santa Cruz |
14 |
13 |
|
13 |
|
$1,319,000 |
$8,280 |
$331,200 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
30 |
28 |
|
27 |
|
$430,000 |
$2,700 |
$108,000 |
|
Glenn |
40 |
35 |
|
30 |
|
$327,000 |
$2,050 |
$82,000 |
|
Kern |
30 |
30 |
|
28 |
|
$405,000 |
$2,540 |
$101,600 |
|
Kings |
33 |
29 |
|
27 |
|
$375,000 |
$2,350 |
$94,000 |
|
Madera |
31 |
29 |
|
29 |
|
$426,940 |
$2,680 |
$107,200 |
|
Merced |
27 |
25 |
|
30 |
|
$413,000 |
$2,590 |
$103,600 |
|
Placer |
30 |
28 |
|
27 |
|
$670,000 |
$4,200 |
$168,000 |
|
Sacramento |
26 |
24 |
|
23 |
|
$560,000 |
$3,510 |
$140,400 |
|
San Benito |
21 |
18 |
|
16 |
|
$800,000 |
$5,020 |
$200,800 |
|
San Joaquin |
25 |
24 |
|
23 |
|
$572,950 |
$3,590 |
$143,600 |
|
Stanislaus |
29 |
25 |
|
24 |
|
$480,000 |
$3,010 |
$120,400 |
|
Tulare |
31 |
30 |
|
30 |
|
$380,000 |
$2,380 |
$95,200 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
29 |
27 |
|
28 |
|
$450,000 |
$2,820 |
$112,800 |
|
Lassen |
52 |
52 |
|
58 |
|
$262,500 |
$1,650 |
$66,000 |
|
Plumas |
23 |
29 |
|
31 |
|
$520,000 |
$3,260 |
$130,400 |
|
Shasta |
34 |
33 |
|
35 |
|
$385,000 |
$2,420 |
$96,800 |
|
Siskiyou |
36 |
31 |
|
34 |
|
$312,500 |
$1,960 |
$78,400 |
|
Tehama |
38 |
34 |
|
39 |
|
$325,000 |
$2,040 |
$81,600 |
|
Trinity |
34 |
28 |
|
30 |
|
$275,000 |
$1,730 |
$69,200 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
38 |
32 |
|
26 |
|
$416,000 |
$2,610 |
$104,400 |
|
Calaveras |
31 |
29 |
|
27 |
|
$485,000 |
$3,040 |
$121,600 |
|
Del Norte |
28 |
34 |
|
28 |
|
$420,000 |
$2,630 |
$105,200 |
|
El Dorado |
27 |
22 |
|
23 |
|
$665,000 |
$4,170 |
$166,800 |
|
Humboldt |
23 |
22 |
|
23 |
|
$439,900 |
$2,760 |
$110,400 |
|
Lake |
35 |
31 |
|
30 |
|
$343,000 |
$2,150 |
$86,000 |
|
Mariposa |
27 |
25 |
|
16 |
|
$409,000 |
$2,570 |
$102,800 |
|
Mendocino |
18 |
17 |
|
15 |
|
$549,000 |
$3,440 |
$137,600 |
|
Mono |
7 |
5 |
|
5 |
|
$869,000 |
$5,450 |
$218,000 |
|
Nevada |
26 |
24 |
|
23 |
|
$577,000 |
$3,620 |
$144,800 |
|
Sutter |
28 |
27 |
|
31 |
|
$430,000 |
$2,700 |
$108,000 |
|
Tuolumne |
40 |
31 |
|
31 |
|
$385,000 |
$2,420 |
$96,800 |
|
Yolo |
24 |
22 |
|
23 |
|
$615,000 |
$3,860 |
$154,400 |
|
Yuba |
27 |
25 |
|
26 |
|
$440,000 |
$2,760 |
$110,400 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
