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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
|
Q22024 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q22024 |
Q12024 |
|
Q22023 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
26 |
31 |
|
32 |
|
$770,610 |
$5,280 |
$158,400 |
|
CA Condo/Townhomes |
38 |
41 |
|
43 |
|
$586,500 |
$4,020 |
$120,600 |
|
Los Angeles Metropolitan Area |
26 |
30 |
|
33 |
|
$714,000 |
$4,890 |
$146,700 |
|
Inland Empire |
38 |
40 |
|
42 |
|
$510,000 |
$3,500 |
$105,000 |
|
S.F. Bay Area |
23 |
28 |
|
28 |
|
$1,215,500 |
$8,330 |
$249,900 |
|
US |
51 |
55 |
|
55 |
|
$358,790 |
$2,460 |
$73,800 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
21 |
24 |
|
26 |
|
$1,189,580 |
$8,150 |
$244,500 |
|
Contra Costa |
37 |
42 |
|
40 |
|
$786,250 |
$5,390 |
$161,700 |
|
Marin |
23 |
24 |
|
23 |
|
$1,527,450 |
$10,470 |
$314,100 |
|
Napa |
29 |
32 |
|
36 |
|
$818,130 |
$5,610 |
$168,300 |
|
San Francisco |
26 |
27 |
|
27 |
|
$1,445,850 |
$9,910 |
$297,300 |
|
San Mateo |
23 |
25 |
|
26 |
|
$1,871,960 |
$12,830 |
$384,900 |
|
Santa Clara |
25 |
26 |
|
26 |
|
$1,706,800 |
$11,700 |
$351,000 |
|
Solano |
45 |
48 |
|
49 |
|
$510,000 |
$3,500 |
$105,000 |
|
Sonoma |
31 |
32 |
|
33 |
|
$722,500 |
$4,950 |
$148,500 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
43 |
47 |
|
48 |
|
$335,750 |
$2,300 |
$69,000 |
|
Los Angeles |
24 |
26 |
|
30 |
|
$726,550 |
$4,980 |
$149,400 |
|
Orange |
15 |
17 |
|
20 |
|
$1,221,880 |
$8,370 |
$251,100 |
|
Riverside |
36 |
38 |
|
40 |
|
$552,500 |
$3,790 |
$113,700 |
|
San Bernardino |
44 |
47 |
|
50 |
|
$433,500 |
$2,970 |
$89,100 |
|
San Diego |
21 |
24 |
|
27 |
|
$892,500 |
$6,120 |
$183,600 |
|
Ventura |
27 |
30 |
|
30 |
|
$799,000 |
$5,480 |
$164,400 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
18 |
23 |
|
25 |
|
$871,250 |
$5,970 |
$179,100 |
|
San Luis Obispo |
23 |
23 |
|
25 |
|
$756,080 |
$5,180 |
$155,400 |
|
Santa Barbara |
13 |
20 |
|
17 |
|
$1,166,630 |
$8,000 |
$240,000 |
|
Santa Cruz |
18 |
21 |
|
21 |
|
$1,168,750 |
$8,010 |
$240,300 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
45 |
47 |
|
47 |
|
$361,250 |
$2,480 |
$74,400 |
|
Glenn |
54 |
53 |
|
53 |
|
$289,380 |
$1,980 |
$59,400 |
|
Kern |
47 |
48 |
|
49 |
|
$327,250 |
$2,240 |
$67,200 |
|
Kings |
50 |
55 |
|
54 |
|
$323,000 |
$2,210 |
$66,300 |
|
Madera |
46 |
48 |
|
51 |
|
$365,500 |
$2,500 |
$75,000 |
|
Merced |
44 |
49 |
|
52 |
|
$352,750 |
$2,420 |
$72,600 |
|
Placer |
47 |
50 |
|
49 |
|
$574,180 |
$3,930 |
$117,900 |
|
Sacramento |
43 |
45 |
|
46 |
|
$471,750 |
$3,230 |
$96,900 |
|
San Benito |
37 |
40 |
|
39 |
|
$684,250 |
$4,690 |
$140,700 |
|
San Joaquin |
43 |
44 |
|
45 |
|
$467,500 |
$3,200 |
$96,000 |
|
Stanislaus |
44 |
47 |
|
47 |
|
$415,860 |
$2,850 |
$85,500 |
|
Tulare |
48 |
51 |
|
52 |
|
$320,450 |
$2,200 |
$66,000 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
44 |
46 |
|
48 |
|
$384,600 |
$2,640 |
$79,200 |
|
Lassen |
69 |
68 |
|
70 |
|
$212,460 |
$1,460 |
$43,800 |
|
Plumas |
46 |
54 |
|
56 |
|
$362,100 |
$2,480 |
$74,400 |
|
Shasta |
52 |
54 |
|
54 |
|
$322,920 |
$2,210 |
$66,300 |
|
Siskiyou |
50 |
50 |
|
57 |
|
$282,200 |
$1,930 |
$57,900 |
|
Tehama |
51 |
55 |
|
52 |
|
$297,500 |
$2,040 |
$61,200 |
|
Trinity |
46 |
45 |
|
50 |
|
$258,910 |
$1,770 |
$53,100 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
51 |
49 |
|
49 |
|
$371,830 |
$2,550 |
$76,500 |
|
Calaveras |
49 |
51 |
|
48 |
|
$408,850 |
$2,800 |
$84,000 |
|
Del Norte |
51 |
51 |
|
47 |
|
$293,250 |
$2,010 |
$60,300 |
|
El Dorado |
38 |
43 |
|
42 |
|
$612,000 |
$4,190 |
$125,700 |
|
Humboldt |
38 |
42 |
|
42 |
|
$378,250 |
$2,590 |
$77,700 |
|
Lake |
49 |
51 |
|
46 |
|
$293,250 |
$2,010 |
$60,300 |
|
Mariposa |
41 |
40 |
|
44 |
|
$346,610 |
$2,380 |
$71,400 |
|
Mendocino |
34 |
38 |
|
35 |
|
$446,250 |
$3,060 |
$91,800 |
|
Mono |
9 |
7 |
|
13 |
|
$924,960 |
$6,340 |
$190,200 |
|
Nevada |
40 |
44 |
|
43 |
|
$497,250 |
$3,410 |
$102,300 |
|
Sutter |
47 |
51 |
|
52 |
|
$374,000 |
$2,560 |
$76,800 |
|
Tuolumne |
49 |
53 |
|
51 |
|
$371,450 |
$2,550 |
$76,500 |
|
Yolo |
37 |
40 |
|
40 |
|
$544,000 |
$3,730 |
$111,900 |
|
Yuba |
43 |
45 |
|
46 |
|
$379,440 |
$2,600 |
$78,000 |
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.
