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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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Q42024 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q42024 |
Q32024 |
|
Q42023 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
15 |
16 |
|
15 |
|
$874,290 |
$5,550 |
$222,000 |
|
CA Condo/Townhomes |
24 |
25 |
|
22 |
|
$670,000 |
$4,250 |
$170,000 |
|
Los Angeles Metropolitan Area |
14 |
15 |
|
14 |
|
$825,000 |
$5,240 |
$209,600 |
|
Inland Empire |
20 |
22 |
|
20 |
|
$597,500 |
$3,790 |
$151,600 |
|
S.F. Bay Area |
20 |
21 |
|
19 |
|
$1,288,000 |
$8,170 |
$326,800 |
|
US |
36 |
35 |
|
35 |
|
$410,100 |
$2,600 |
$104,000 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
18 |
18 |
|
16 |
|
$1,250,000 |
$7,930 |
$317,200 |
|
Contra Costa |
24 |
25 |
|
23 |
|
$875,000 |
$5,550 |
$222,000 |
|
Marin |
18 |
20 |
|
16 |
|
$1,650,000 |
$10,470 |
$418,800 |
|
Napa |
18 |
15 |
|
16 |
|
$895,000 |
$5,680 |
$227,200 |
|
San Francisco |
21 |
21 |
|
20 |
|
$1,600,000 |
$10,150 |
$406,000 |
|
San Mateo |
17 |
17 |
|
17 |
|
$2,021,000 |
$12,830 |
$513,200 |
|
Santa Clara |
18 |
19 |
|
18 |
|
$1,920,000 |
$12,190 |
$487,600 |
|
Solano |
26 |
26 |
|
25 |
|
$595,000 |
$3,780 |
$151,200 |
|
Sonoma |
18 |
18 |
|
15 |
|
$830,000 |
$5,270 |
$210,800 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
28 |
28 |
|
27 |
|
$387,000 |
$2,460 |
$98,400 |
|
Los Angeles |
11 |
11 |
|
11 |
|
$939,690 |
$5,960 |
$238,400 |
|
Orange |
12 |
12 |
|
11 |
|
$1,360,000 |
$8,630 |
$345,200 |
|
Riverside |
20 |
21 |
|
19 |
|
$629,000 |
$3,990 |
$159,600 |
|
San Bernardino |
27 |
27 |
|
24 |
|
$499,000 |
$3,170 |
$126,800 |
|
San Diego |
12 |
12 |
|
11 |
|
$985,000 |
$6,250 |
$250,000 |
|
Ventura |
14 |
13 |
|
13 |
|
$915,000 |
$5,810 |
$232,400 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
10 |
10 |
|
8 |
|
$930,000 |
$5,900 |
$236,000 |
|
San Luis Obispo |
10 |
11 |
|
8 |
|
$930,000 |
$5,900 |
$236,000 |
|
Santa Barbara |
10 |
13 |
|
10 |
|
$1,187,500 |
$7,540 |
$301,600 |
|
Santa Cruz |
14 |
14 |
|
13 |
|
$1,309,000 |
$8,310 |
$332,400 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
30 |
30 |
|
28 |
|
$421,070 |
$2,670 |
$106,800 |
|
Glenn |
32 |
40 |
|
30 |
|
$371,000 |
$2,350 |
$94,000 |
|
Kern |
29 |
30 |
|
28 |
|
$404,950 |
$2,570 |
$102,800 |
|
Kings |
33 |
33 |
|
29 |
|
$365,000 |
$2,320 |
$92,800 |
|
Madera |
30 |
31 |
|
29 |
|
$429,000 |
$2,720 |
$108,800 |
|
Merced |
27 |
27 |
|
29 |
|
$415,000 |
$2,630 |
$105,200 |
|
Placer |
31 |
30 |
|
28 |
|
$647,250 |
$4,110 |
$164,400 |
|
Sacramento |
25 |
26 |
|
23 |
|
$550,000 |
$3,490 |
$139,600 |
|
San Benito |
18 |
21 |
|
15 |
|
$830,000 |
$5,270 |
$210,800 |
|
San Joaquin |
26 |
25 |
|
22 |
|
$540,170 |
$3,430 |
$137,200 |
|
Stanislaus |
28 |
29 |
|
23 |
|
$470,000 |
$2,980 |
$119,200 |
|
Tulare |
30 |
31 |
|
31 |
|
$385,000 |
$2,440 |
$97,600 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
28 |
29 |
|
29 |
|
$450,000 |
$2,860 |
$114,400 |
|
Lassen |
50 |
52 |
|
49 |
|
$265,000 |
$1,680 |
$67,200 |
|
Plumas |
36 |
23 |
|
33 |
|
$379,000 |
$2,410 |
$96,400 |
|
Shasta |
36 |
34 |
|
36 |
|
$368,000 |
$2,340 |
$93,600 |
|
Siskiyou |
34 |
36 |
|
32 |
|
$319,000 |
$2,020 |
$80,800 |
|
Tehama |
38 |
38 |
|
40 |
|
$325,000 |
$2,060 |
$82,400 |
|
Trinity |
29 |
34 |
|
28 |
|
$299,300 |
$1,900 |
$76,000 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
34 |
38 |
|
31 |
|
$436,000 |
$2,770 |
$110,800 |
|
Calaveras |
34 |
31 |
|
31 |
|
$450,000 |
$2,860 |
$114,400 |
|
Del Norte |
33 |
28 |
|
26 |
|
$369,950 |
$2,350 |
$94,000 |
|
El Dorado |
25 |
27 |
|
23 |
|
$675,000 |
$4,280 |
$171,200 |
|
Humboldt |
23 |
23 |
|
24 |
|
$440,000 |
$2,790 |
$111,600 |
|
Lake |
32 |
35 |
|
28 |
|
$350,000 |
$2,220 |
$88,800 |
|
Mariposa |
21 |
27 |
|
18 |
|
$465,000 |
$2,950 |
$118,000 |
|
Mendocino |
20 |
18 |
|
18 |
|
$500,000 |
$3,170 |
$126,800 |
|
Mono |
6 |
7 |
|
5 |
|
$927,500 |
$5,890 |
$235,600 |
|
Nevada |
28 |
26 |
|
24 |
|
$537,500 |
$3,410 |
$136,400 |
|
Sutter |
28 |
28 |
|
31 |
|
$445,500 |
$2,830 |
$113,200 |
|
Tuolumne |
36 |
40 |
|
32 |
|
$410,000 |
$2,600 |
$104,000 |
|
Yolo |
25 |
24 |
|
22 |
|
$599,000 |
$3,800 |
$152,000 |
|
Yuba |
27 |
27 |
|
24 |
|
$438,900 |
$2,790 |
$111,600 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
