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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 2024 Housing Affordability by Ethnicity
Traditional Housing Affordability Index Methodology
Traditional Housing Affordability Indices (HAI) were calculated based on the following effective composite interest rates: 6.63%% (Q324), 6.76%% (Q424), and 6.93%% (Q125).
|
Q12025 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q12025 |
Q42024 |
|
Q12024 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
17 |
15 |
|
17 |
|
$846,830 |
$5,450 |
$218,000 |
|
CA Condo/Townhomes |
24 |
24 |
|
24 |
|
$670,000 |
$4,310 |
$172,400 |
|
Los Angeles Metropolitan Area |
15 |
14 |
|
15 |
|
$830,000 |
$5,340 |
$213,600 |
|
Inland Empire |
21 |
20 |
|
21 |
|
$609,160 |
$3,920 |
$156,800 |
|
S.F. Bay Area |
21 |
20 |
|
20 |
|
$1,300,000 |
$8,360 |
$334,400 |
|
US |
37 |
36 |
|
37 |
|
$402,300 |
$2,590 |
$103,600 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
19 |
18 |
|
16 |
|
$1,300,000 |
$8,360 |
$334,400 |
|
Contra Costa |
25 |
24 |
|
25 |
|
$850,000 |
$5,470 |
$218,800 |
|
Marin |
20 |
18 |
|
18 |
|
$1,650,000 |
$10,620 |
$424,800 |
|
Napa |
14 |
18 |
|
18 |
|
$975,000 |
$6,270 |
$250,800 |
|
San Francisco |
20 |
21 |
|
20 |
|
$1,627,500 |
$10,470 |
$418,800 |
|
San Mateo |
16 |
17 |
|
17 |
|
$2,182,380 |
$14,040 |
$561,600 |
|
Santa Clara |
18 |
18 |
|
18 |
|
$2,020,000 |
$13,000 |
$520,000 |
|
Solano |
26 |
26 |
|
26 |
|
$585,900 |
$3,770 |
$150,800 |
|
Sonoma |
18 |
18 |
|
16 |
|
$838,500 |
$5,390 |
$215,600 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
25 |
28 |
|
30 |
|
$399,000 |
$2,570 |
$102,800 |
|
Los Angeles |
13 |
11 |
|
14 |
|
$862,570 |
$5,550 |
$222,000 |
|
Orange |
12 |
12 |
|
11 |
|
$1,450,000 |
$9,330 |
$373,200 |
|
Riverside |
20 |
20 |
|
20 |
|
$640,000 |
$4,120 |
$164,800 |
|
San Bernardino |
28 |
27 |
|
27 |
|
$500,000 |
$3,220 |
$128,800 |
|
San Diego |
12 |
12 |
|
11 |
|
$1,036,500 |
$6,670 |
$266,800 |
|
Ventura |
14 |
14 |
|
15 |
|
$930,000 |
$5,980 |
$239,200 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
10 |
10 |
|
11 |
|
$932,000 |
$6,000 |
$240,000 |
|
San Luis Obispo |
11 |
10 |
|
10 |
|
$955,480 |
$6,150 |
$246,000 |
|
Santa Barbara |
9 |
10 |
|
11 |
|
$1,507,500 |
$9,700 |
$388,000 |
|
Santa Cruz |
15 |
14 |
|
13 |
|
$1,300,000 |
$8,360 |
$334,400 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
29 |
30 |
|
30 |
|
$435,000 |
$2,800 |
$112,000 |
|
Glenn |
40 |
32 |
|
34 |
|
$325,000 |
$2,090 |
$83,600 |
|
Kern |
30 |
29 |
|
31 |
|
$400,000 |
$2,570 |
$102,800 |
|
Kings |
33 |
33 |
|
34 |
|
$370,000 |
$2,380 |
$95,200 |
|
Madera |
29 |
30 |
|
30 |
|
$440,000 |
$2,830 |
$113,200 |
|
Merced |
26 |
27 |
|
29 |
|
$415,000 |
$2,670 |
$106,800 |
|
Placer |
30 |
31 |
|
30 |
|
$654,000 |
$4,210 |
$168,400 |
|
Sacramento |
26 |
25 |
|
26 |
|
$550,000 |
$3,540 |
$141,600 |
|
San Benito |
27 |
18 |
|
21 |
|
$777,500 |
$5,000 |
$200,000 |
|
San Joaquin |
28 |
26 |
|
26 |
|
$535,000 |
$3,440 |
$137,600 |
|
Stanislaus |
29 |
28 |
|
28 |
|
$470,000 |
$3,020 |
$120,800 |
|
Tulare |
30 |
30 |
|
33 |
|
$380,000 |
$2,440 |
$97,600 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
28 |
28 |
|
29 |
|
$445,000 |
$2,860 |
$114,400 |
|
Lassen |
56 |
50 |
|
51 |
|
$234,000 |
$1,510 |
$60,400 |
|
Plumas |
38 |
36 |
|
37 |
|
$359,500 |
$2,310 |
$92,400 |
|
Shasta |
32 |
36 |
|
37 |
|
$385,000 |
$2,480 |
$99,200 |
|
Siskiyou |
35 |
34 |
|
32 |
|
$320,000 |
$2,060 |
$82,400 |
|
Tehama |
33 |
38 |
|
39 |
|
$350,000 |
$2,250 |
$90,000 |
|
Trinity |
35 |
29 |
|
26 |
|
$269,000 |
$1,730 |
$69,200 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
35 |
34 |
|
30 |
|
$440,000 |
$2,830 |
$113,200 |
|
Calaveras |
36 |
34 |
|
33 |
|
$437,000 |
$2,810 |
$112,400 |
|
Del Norte |
38 |
33 |
|
34 |
|
$330,000 |
$2,120 |
$84,800 |
|
El Dorado |
27 |
25 |
|
25 |
|
$685,000 |
$4,410 |
$176,400 |
|
Humboldt |
26 |
23 |
|
25 |
|
$402,000 |
$2,590 |
$103,600 |
|
Lake |
35 |
32 |
|
33 |
|
$335,000 |
$2,160 |
$86,400 |
|
Mariposa |
27 |
21 |
|
23 |
|
$425,000 |
$2,730 |
$109,200 |
|
Mendocino |
19 |
20 |
|
21 |
|
$531,000 |
$3,420 |
$136,800 |
|
Mono |
5 |
6 |
|
4 |
|
$1,263,650 |
$8,130 |
$325,200 |
|
Nevada |
30 |
28 |
|
27 |
|
$524,000 |
$3,370 |
$134,800 |
|
Sutter |
28 |
28 |
|
32 |
|
$416,750 |
$2,680 |
$107,200 |
|
Tuolumne |
40 |
36 |
|
36 |
|
$389,500 |
$2,510 |
$100,400 |
|
Yolo |
23 |
25 |
|
24 |
|
$620,000 |
$3,990 |
$159,600 |
|
Yuba |
25 |
27 |
|
26 |
|
$450,000 |
$2,900 |
$116,000 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
