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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: 6.80% (Q326), 6.54% (Q226), and 6.67% (Q325).
|
Q32026 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q32026 |
Q22026 |
|
Q32025 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
19 |
19 |
|
19 |
r |
$894,630 |
$5,700 |
$228,000 |
|
CA Condo/Townhomes |
31 |
30 |
|
30 |
r |
$640,000 |
$4,080 |
$163,200 |
|
Los Angeles Metropolitan Area |
18 |
17 |
|
16 |
|
$847,030 |
$5,390 |
$215,600 |
|
Inland Empire |
26 |
25 |
|
23 |
|
$600,000 |
$3,820 |
$152,800 |
|
S.F. Bay Area |
24 |
22 |
|
22 |
|
$1,300,000 |
$8,280 |
$331,200 |
|
US |
39 |
40 |
|
39 |
r |
$432,900 |
$2,760 |
$110,400 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
23 |
22 |
|
23 |
r |
$1,274,500 |
$8,120 |
$324,800 |
|
Contra Costa |
29 |
27 |
|
28 |
r |
$875,000 |
$5,570 |
$222,800 |
|
Marin |
24 |
23 |
|
25 |
r |
$1,700,000 |
$10,830 |
$433,200 |
|
Napa |
22 |
23 |
|
22 |
r |
$900,000 |
$5,730 |
$229,200 |
|
San Francisco |
19 |
18 |
|
23 |
r |
$2,000,000 |
$12,740 |
$509,600 |
|
San Mateo |
19 |
18 |
|
19 |
r |
$2,270,000 |
$14,460 |
$578,400 |
|
Santa Clara |
23 |
22 |
|
22 |
r |
$1,920,000 |
$12,230 |
$489,200 |
|
Solano |
33 |
33 |
|
29 |
r |
$590,000 |
$3,760 |
$150,400 |
|
Sonoma |
22 |
21 |
|
21 |
r |
$833,000 |
$5,300 |
$212,000 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
30 |
29 |
|
25 |
r |
$420,000 |
$2,670 |
$106,800 |
|
Los Angeles |
15 |
17 |
|
14 |
r |
$958,450 |
$6,100 |
$244,000 |
|
Orange |
15 |
15 |
|
15 |
r |
$1,470,000 |
$9,360 |
$374,400 |
|
Riverside |
27 |
28 |
|
28 |
r |
$632,990 |
$4,030 |
$161,200 |
|
San Bernardino |
33 |
34 |
|
32 |
r |
$514,390 |
$3,280 |
$131,200 |
|
San Diego |
16 |
17 |
|
17 |
r |
$1,075,000 |
$6,850 |
$274,000 |
|
Ventura |
19 |
19 |
|
19 |
r |
$940,000 |
$5,990 |
$239,600 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
13 |
12 |
|
11 |
r |
$939,750 |
$5,980 |
$239,200 |
|
San Luis Obispo |
15 |
16 |
|
17 |
r |
$950,000 |
$6,050 |
$242,000 |
|
Santa Barbara |
12 |
12 |
|
13 |
r |
$1,240,000 |
$7,900 |
$316,000 |
|
Santa Cruz |
16 |
16 |
|
15 |
r |
$1,305,000 |
$8,310 |
$332,400 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
34 |
36 |
|
34 |
r |
$435,000 |
$2,770 |
$110,800 |
|
Glenn |
35 |
43 |
|
37 |
|
$420,000 |
$2,670 |
$106,800 |
|
Kern |
36 |
37 |
|
37 |
r |
$411,000 |
$2,620 |
$104,800 |
|
Kings |
35 |
37 |
|
41 |
r |
$383,800 |
$2,440 |
$97,600 |
|
Madera |
32 |
35 |
|
35 |
r |
$449,000 |
$2,860 |
$114,400 |
|
Merced |
29 |
31 |
|
30 |
r |
$420,000 |
$2,670 |
$106,800 |
|
Placer |
33 |
34 |
|
32 |
r |
$685,000 |
$4,360 |
$174,400 |
|
Sacramento |
33 |
32 |
|
32 |
r |
$549,990 |
$3,500 |
$140,000 |
|
San Benito |
23 |
24 |
|
23 |
r |
$803,600 |
$5,120 |
$204,800 |
|
San Joaquin |
32 |
32 |
|
31 |
r |
$555,000 |
$3,530 |
$141,200 |
|
Stanislaus |
33 |
32 |
|
30 |
r |
$485,000 |
$3,090 |
$123,600 |
|
Tulare |
37 |
39 |
|
39 |
r |
$396,500 |
$2,520 |
$100,800 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
28 |
26 |
|
23 |
r |
$445,000 |
$2,830 |
$113,200 |
|
Lassen |
61 |
49 |
r |
52 |
|
$220,000 |
$1,400 |
$56,000 |
|
Plumas |
22 |
23 |
|
30 |
|
$545,000 |
$3,470 |
$138,800 |
|
Shasta |
40 |
41 |
|
38 |
r |
$395,000 |
$2,520 |
$100,800 |
|
Siskiyou |
40 |
37 |
|
35 |
|
$315,000 |
$2,010 |
$80,400 |
|
Tehama |
39 |
35 |
r |
37 |
r |
$315,000 |
$2,010 |
$80,400 |
|
Trinity |
43 |
30 |
|
34 |
|
$270,000 |
$1,720 |
$68,800 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
39 |
39 |
|
36 |
|
$446,750 |
$2,840 |
$113,600 |
|
Calaveras |
37 |
33 |
|
34 |
|
$459,500 |
$2,930 |
$117,200 |
|
Del Norte |
35 |
35 |
|
34 |
|
$425,000 |
$2,710 |
$108,400 |
|
El Dorado |
33 |
34 |
|
36 |
r |
$698,500 |
$4,450 |
$178,000 |
|
Humboldt |
28 |
27 |
|
25 |
|
$430,000 |
$2,740 |
$109,600 |
|
Lake |
38 |
31 |
|
22 |
r |
$320,000 |
$2,040 |
$81,600 |
|
Mariposa |
39 |
27 |
|
29 |
|
$370,000 |
$2,360 |
$94,400 |
|
Mendocino |
24 |
25 |
|
30 |
r |
$525,000 |
$3,340 |
$133,600 |
|
Mono |
8 |
6 |
|
7 |
|
$1,399,000 |
$8,910 |
$356,400 |
|
Nevada |
35 |
31 |
|
38 |
r |
$550,000 |
$3,500 |
$140,000 |
|
Sutter |
34 |
35 |
|
37 |
r |
$449,500 |
$2,860 |
$114,400 |
|
Tuolumne |
42 |
40 |
|
36 |
|
$390,000 |
$2,480 |
$99,200 |
|
Yolo |
29 |
27 |
|
28 |
r |
$640,000 |
$4,080 |
$163,200 |
|
Yuba |
35 |
37 |
|
38 |
r |
$457,000 |
$2,910 |
$116,400 |
Feel free to email us your questions, feedback or other comments to [email protected].
Source: CALIFORNIA ASSOCIATION OF REALTORS®
