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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).
|
Q22025 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q22025 |
Q12025 |
|
Q22024 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
15 |
17 |
|
14 |
|
$905,680 |
$5,810 |
$232,400 |
|
CA Condo/Townhomes |
25 |
24 |
|
22 |
|
$670,000 |
$4,300 |
$172,000 |
|
Los Angeles Metropolitan Area |
14 |
15 |
|
13 |
|
$850,000 |
$5,460 |
$218,400 |
|
Inland Empire |
21 |
21 |
|
20 |
|
$610,000 |
$3,910 |
$156,400 |
|
S.F. Bay Area |
20 |
21 |
|
18 |
|
$1,400,000 |
$8,980 |
$359,200 |
|
US |
34 |
37 |
|
33 |
|
$429,400 |
$2,760 |
$110,400 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
19 |
19 |
|
16 |
|
$1,350,000 |
$8,660 |
$346,400 |
|
Contra Costa |
23 |
25 |
|
21 |
|
$915,000 |
$5,870 |
$234,800 |
|
Marin |
19 |
20 |
|
16 |
|
$1,770,000 |
$11,360 |
$454,400 |
|
Napa |
15 |
14 |
|
14 |
|
$950,000 |
$6,100 |
$244,000 |
|
San Francisco |
19 |
20 |
|
19 |
|
$1,788,000 |
$11,480 |
$459,200 |
|
San Mateo |
16 |
16 |
|
16 |
|
$2,200,000 |
$14,120 |
$564,800 |
|
Santa Clara |
17 |
17 |
|
16 |
|
$2,138,000 |
$13,720 |
$548,800 |
|
Solano |
27 |
26 |
|
24 |
|
$583,940 |
$3,750 |
$150,000 |
|
Sonoma |
17 |
18 |
|
16 |
|
$855,000 |
$5,490 |
$219,600 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
27 |
27 |
|
26 |
|
$397,450 |
$2,550 |
$102,000 |
|
Los Angeles |
13 |
13 |
|
13 |
|
$879,900 |
$5,650 |
$226,000 |
|
Orange |
12 |
12 |
|
11 |
|
$1,431,500 |
$9,190 |
$367,600 |
|
Riverside |
21 |
20 |
|
19 |
r |
$640,000 |
$4,110 |
$164,400 |
|
San Bernardino |
29 |
28 |
|
27 |
r |
$491,000 |
$3,150 |
$126,000 |
|
San Diego |
13 |
12 |
|
11 |
|
$1,025,000 |
$6,580 |
$263,200 |
|
Ventura |
14 |
14 |
|
12 |
|
$965,750 |
$6,200 |
$248,000 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
10 |
10 |
|
8 |
|
$935,000 |
$6,000 |
$240,000 |
|
San Luis Obispo |
12 |
11 |
|
11 |
|
$920,000 |
$5,900 |
$236,000 |
|
Santa Barbara |
10 |
9 |
|
9 |
|
$1,397,000 |
$8,970 |
$358,800 |
|
Santa Cruz |
14 |
15 |
|
13 |
|
$1,320,000 |
$8,470 |
$338,800 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
30 |
29 |
|
28 |
|
$435,000 |
$2,790 |
$111,600 |
|
Glenn |
39 |
40 |
|
35 |
|
$335,900 |
$2,160 |
$86,400 |
|
Kern |
30 |
30 |
|
30 |
|
$405,000 |
$2,600 |
$104,000 |
|
Kings |
34 |
33 |
|
29 |
|
$365,000 |
$2,340 |
$93,600 |
|
Madera |
31 |
29 |
|
29 |
|
$440,000 |
$2,820 |
$112,800 |
|
Merced |
26 |
26 |
|
25 |
|
$425,000 |
$2,730 |
$109,200 |
|
Placer |
30 |
30 |
|
28 |
|
$675,000 |
$4,330 |
$173,200 |
|
Sacramento |
27 |
26 |
|
24 |
|
$550,000 |
$3,530 |
$141,200 |
|
San Benito |
22 |
27 |
|
18 |
|
$820,000 |
$5,260 |
$210,400 |
|
San Joaquin |
26 |
28 |
|
24 |
|
$565,000 |
$3,630 |
$145,200 |
|
Stanislaus |
26 |
29 |
|
25 |
|
$495,000 |
$3,180 |
$127,200 |
|
Tulare |
30 |
30 |
|
30 |
|
$385,000 |
$2,470 |
$98,800 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
24 |
28 |
|
27 |
|
$484,500 |
$3,110 |
$124,400 |
|
Lassen |
46 |
56 |
|
52 |
|
$285,000 |
$1,830 |
$73,200 |
|
Plumas |
34 |
38 |
|
29 |
|
$410,000 |
$2,630 |
$105,200 |
|
Shasta |
33 |
32 |
|
33 |
|
$378,000 |
$2,430 |
$97,200 |
|
Siskiyou |
37 |
35 |
|
31 |
|
$302,500 |
$1,940 |
$77,600 |
|
Tehama |
29 |
33 |
|
34 |
|
$380,350 |
$2,440 |
$97,600 |
|
Trinity |
30 |
35 |
|
28 |
|
$315,500 |
$2,020 |
$80,800 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
35 |
35 |
|
32 |
|
$435,000 |
$2,790 |
$111,600 |
|
Calaveras |
33 |
36 |
|
29 |
|
$468,000 |
$3,000 |
$120,000 |
|
Del Norte |
29 |
38 |
|
34 |
|
$410,000 |
$2,630 |
$105,200 |
|
El Dorado |
27 |
27 |
|
22 |
|
$699,500 |
$4,490 |
$179,600 |
|
Humboldt |
23 |
26 |
|
22 |
|
$445,000 |
$2,860 |
$114,400 |
|
Lake |
34 |
35 |
|
31 |
|
$329,000 |
$2,110 |
$84,400 |
|
Mariposa |
26 |
27 |
|
25 |
|
$438,500 |
$2,810 |
$112,400 |
|
Mendocino |
20 |
19 |
|
17 |
|
$525,000 |
$3,370 |
$134,800 |
|
Mono |
8 |
5 |
|
5 |
|
$906,500 |
$5,820 |
$232,800 |
|
Nevada |
27 |
30 |
|
24 |
|
$570,000 |
$3,660 |
$146,400 |
|
Sutter |
27 |
28 |
|
27 |
|
$450,000 |
$2,890 |
$115,600 |
|
Tuolumne |
38 |
40 |
|
31 |
|
$405,000 |
$2,600 |
$104,000 |
|
Yolo |
22 |
23 |
|
22 |
|
$659,000 |
$4,230 |
$169,200 |
|
Yuba |
26 |
25 |
|
25 |
|
$443,500 |
$2,850 |
$114,000 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
