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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
|
Q22025 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q22025 |
Q12025 |
|
Q22024 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
|
|
|
|
|
|
|
|
|
|
CA SFH (SAAR) |
29 |
31 |
|
26 |
|
$769,830 |
$5,100 |
$153,000 |
|
CA Condo/Townhomes |
42 |
42 |
|
38 |
|
$569,500 |
$3,770 |
$113,100 |
|
Los Angeles Metropolitan Area |
29 |
30 |
|
26 |
|
$722,500 |
$4,780 |
$143,400 |
|
Inland Empire |
41 |
40 |
|
38 |
|
$518,500 |
$3,430 |
$102,900 |
|
S.F. Bay Area |
27 |
29 |
|
23 |
|
$1,190,000 |
$7,880 |
$236,400 |
|
US |
53 |
55 |
|
51 |
|
$364,990 |
$2,420 |
$72,600 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
26 |
27 |
|
21 |
|
$1,147,500 |
$7,600 |
$228,000 |
|
Contra Costa |
40 |
43 |
|
37 |
|
$777,750 |
$5,150 |
$154,500 |
|
Marin |
27 |
27 |
|
23 |
|
$1,504,500 |
$9,960 |
$298,800 |
|
Napa |
30 |
30 |
|
29 |
|
$807,500 |
$5,350 |
$160,500 |
|
San Francisco |
27 |
27 |
|
26 |
|
$1,519,800 |
$10,060 |
$301,800 |
|
San Mateo |
24 |
24 |
|
23 |
|
$1,870,000 |
$12,380 |
$371,400 |
|
Santa Clara |
26 |
27 |
|
25 |
|
$1,817,300 |
$12,030 |
$360,900 |
|
Solano |
49 |
49 |
|
45 |
|
$496,350 |
$3,290 |
$98,700 |
|
Sonoma |
34 |
35 |
|
31 |
|
$726,750 |
$4,810 |
$144,300 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
45 |
45 |
r |
43 |
|
$337,830 |
$2,240 |
$67,200 |
|
Los Angeles |
26 |
27 |
|
24 |
|
$747,920 |
$4,950 |
$148,500 |
|
Orange |
18 |
17 |
|
15 |
|
$1,216,780 |
$8,060 |
$241,800 |
|
Riverside |
40 |
40 |
|
36 |
|
$544,000 |
$3,600 |
$108,000 |
|
San Bernardino |
49 |
49 |
|
47 |
r |
$417,350 |
$2,760 |
$82,800 |
|
San Diego |
26 |
25 |
|
21 |
|
$871,250 |
$5,770 |
$173,100 |
|
Ventura |
29 |
30 |
|
27 |
|
$820,890 |
$5,430 |
$162,900 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
23 |
23 |
|
18 |
|
$794,750 |
$5,260 |
$157,800 |
|
San Luis Obispo |
26 |
24 |
|
23 |
|
$782,000 |
$5,180 |
$155,400 |
|
Santa Barbara |
15 |
13 |
|
13 |
|
$1,187,450 |
$7,860 |
$235,800 |
|
Santa Cruz |
21 |
22 |
|
18 |
|
$1,122,000 |
$7,430 |
$222,900 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
48 |
48 |
|
45 |
|
$369,750 |
$2,450 |
$73,500 |
|
Glenn |
58 |
59 |
|
54 |
|
$285,520 |
$1,890 |
$56,700 |
|
Kern |
48 |
48 |
|
47 |
|
$344,250 |
$2,280 |
$68,400 |
|
Kings |
55 |
54 |
|
50 |
|
$310,250 |
$2,050 |
$61,500 |
|
Madera |
48 |
47 |
|
46 |
|
$374,000 |
$2,480 |
$74,400 |
|
Merced |
45 |
45 |
|
44 |
|
$361,250 |
$2,390 |
$71,700 |
|
Placer |
49 |
50 |
|
47 |
|
$573,750 |
$3,800 |
$114,000 |
|
Sacramento |
47 |
47 |
|
43 |
|
$467,500 |
$3,100 |
$93,000 |
|
San Benito |
42 |
49 |
|
37 |
|
$697,000 |
$4,610 |
$138,300 |
|
San Joaquin |
46 |
49 |
|
43 |
|
$480,250 |
$3,180 |
$95,400 |
|
Stanislaus |
47 |
50 |
|
44 |
|
$420,750 |
$2,790 |
$83,700 |
|
Tulare |
50 |
50 |
|
48 |
|
$327,250 |
$2,170 |
$65,100 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
43 |
47 |
|
44 |
|
$411,830 |
$2,730 |
$81,900 |
|
Lassen |
65 |
74 |
|
69 |
|
$242,250 |
$1,600 |
$48,000 |
|
Plumas |
52 |
57 |
|
46 |
|
$348,500 |
$2,310 |
$69,300 |
|
Shasta |
53 |
52 |
|
52 |
|
$321,300 |
$2,130 |
$63,900 |
|
Siskiyou |
57 |
54 |
|
50 |
|
$257,130 |
$1,700 |
$51,000 |
|
Tehama |
48 |
52 |
|
51 |
|
$323,300 |
$2,140 |
$64,200 |
|
Trinity |
48 |
54 |
|
46 |
|
$268,180 |
$1,780 |
$53,400 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
54 |
54 |
|
51 |
|
$369,750 |
$2,450 |
$73,500 |
|
Calaveras |
53 |
56 |
|
49 |
|
$397,800 |
$2,630 |
$78,900 |
|
Del Norte |
48 |
56 |
|
51 |
|
$348,500 |
$2,310 |
$69,300 |
|
El Dorado |
45 |
45 |
|
38 |
|
$594,580 |
$3,940 |
$118,200 |
|
Humboldt |
41 |
45 |
|
38 |
|
$378,250 |
$2,500 |
$75,000 |
|
Lake |
53 |
54 |
|
49 |
|
$279,650 |
$1,850 |
$55,500 |
|
Mariposa |
43 |
44 |
|
41 |
|
$372,730 |
$2,470 |
$74,100 |
|
Mendocino |
38 |
37 |
|
34 |
|
$446,250 |
$2,950 |
$88,500 |
|
Mono |
17 |
9 |
|
9 |
|
$770,530 |
$5,100 |
$153,000 |
|
Nevada |
44 |
48 |
|
40 |
|
$484,500 |
$3,210 |
$96,300 |
|
Sutter |
46 |
50 |
|
47 |
|
$382,500 |
$2,530 |
$75,900 |
|
Tuolumne |
56 |
58 |
|
49 |
|
$344,250 |
$2,280 |
$68,400 |
|
Yolo |
39 |
41 |
|
37 |
|
$560,150 |
$3,710 |
$111,300 |
|
Yuba |
46 |
45 |
|
43 |
|
$376,980 |
$2,500 |
$75,000 |
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.
