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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: 6.67%% (Q325), 6.90%% (Q225), and 6.63%% (Q324).
|
Q32025 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q32025 |
Q22025 |
|
Q32024 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
17 |
15 |
|
16 |
|
$887,380 |
$5,590 |
$223,600 |
|
CA Condo/Townhomes |
27 |
25 |
|
25 |
|
$649,990 |
$4,090 |
$163,600 |
|
Los Angeles Metropolitan Area |
16 |
14 |
|
15 |
|
$837,060 |
$5,270 |
$210,800 |
|
Inland Empire |
23 |
21 |
|
22 |
|
$595,000 |
$3,750 |
$150,000 |
|
S.F. Bay Area |
22 |
20 |
|
21 |
|
$1,295,000 |
$8,150 |
$326,000 |
|
US |
36 |
35 |
r |
35 |
|
$426,800 |
$2,690 |
$107,600 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
21 |
19 |
|
18 |
|
$1,250,000 |
$7,870 |
$314,800 |
|
Contra Costa |
26 |
23 |
|
25 |
|
$860,000 |
$5,420 |
$216,800 |
|
Marin |
22 |
19 |
|
20 |
|
$1,612,500 |
$10,150 |
$406,000 |
|
Napa |
16 |
15 |
|
15 |
|
$940,000 |
$5,920 |
$236,800 |
|
San Francisco |
22 |
19 |
|
21 |
|
$1,626,500 |
$10,240 |
$409,600 |
|
San Mateo |
18 |
16 |
|
17 |
|
$2,080,000 |
$13,100 |
$524,000 |
|
Santa Clara |
19 |
17 |
|
19 |
|
$1,915,000 |
$12,060 |
$482,400 |
|
Solano |
26 |
27 |
|
26 |
|
$606,000 |
$3,820 |
$152,800 |
|
Sonoma |
19 |
17 |
|
18 |
|
$825,780 |
$5,200 |
$208,000 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
26 |
27 |
|
28 |
|
$418,500 |
$2,640 |
$105,600 |
|
Los Angeles |
12 |
13 |
|
11 |
|
$954,130 |
$6,010 |
$240,400 |
|
Orange |
13 |
12 |
|
12 |
|
$1,400,000 |
$8,820 |
$352,800 |
|
Riverside |
23 |
21 |
|
21 |
|
$625,000 |
$3,940 |
$157,600 |
|
San Bernardino |
29 |
29 |
|
29 |
r |
$497,800 |
$3,130 |
$125,200 |
|
San Diego |
13 |
13 |
|
12 |
|
$1,009,500 |
$6,360 |
$254,400 |
|
Ventura |
16 |
14 |
|
13 |
|
$926,000 |
$5,830 |
$233,200 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
9 |
10 |
|
10 |
|
$1,001,500 |
$6,310 |
$252,400 |
|
San Luis Obispo |
13 |
12 |
|
11 |
|
$929,350 |
$5,850 |
$234,000 |
|
Santa Barbara |
12 |
10 |
|
13 |
|
$1,220,000 |
$7,680 |
$307,200 |
|
Santa Cruz |
14 |
14 |
|
14 |
|
$1,304,220 |
$8,210 |
$328,400 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
30 |
30 |
|
30 |
|
$443,000 |
$2,790 |
$111,600 |
|
Glenn |
37 |
39 |
|
40 |
|
$365,500 |
$2,300 |
$92,000 |
|
Kern |
31 |
30 |
|
30 |
|
$400,000 |
$2,520 |
$100,800 |
|
Kings |
34 |
34 |
|
33 |
|
$377,000 |
$2,370 |
$94,800 |
|
Madera |
32 |
31 |
|
31 |
|
$446,750 |
$2,810 |
$112,400 |
|
Merced |
27 |
26 |
|
27 |
|
$427,250 |
$2,690 |
$107,600 |
|
Placer |
31 |
30 |
|
30 |
|
$675,000 |
$4,250 |
$170,000 |
|
Sacramento |
28 |
27 |
|
26 |
|
$550,000 |
$3,460 |
$138,400 |
|
San Benito |
26 |
22 |
|
21 |
|
$750,000 |
$4,720 |
$188,800 |
|
San Joaquin |
29 |
26 |
|
25 |
|
$545,000 |
$3,430 |
$137,200 |
|
Stanislaus |
28 |
26 |
|
29 |
|
$485,000 |
$3,050 |
$122,000 |
|
Tulare |
33 |
30 |
|
31 |
|
$380,000 |
$2,390 |
$95,600 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
27 |
24 |
|
29 |
|
$461,000 |
$2,900 |
$116,000 |
|
Lassen |
52 |
46 |
|
52 |
|
$257,500 |
$1,620 |
$64,800 |
|
Plumas |
30 |
34 |
|
23 |
|
$466,500 |
$2,940 |
$117,600 |
|
Shasta |
35 |
33 |
|
34 |
|
$375,000 |
$2,360 |
$94,400 |
|
Siskiyou |
35 |
37 |
|
36 |
|
$329,500 |
$2,070 |
$82,800 |
|
Tehama |
35 |
29 |
|
38 |
|
$341,500 |
$2,150 |
$86,000 |
|
Trinity |
34 |
30 |
|
34 |
|
$302,480 |
$1,900 |
$76,000 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
36 |
35 |
|
38 |
|
$437,500 |
$2,750 |
$110,000 |
|
Calaveras |
34 |
33 |
|
31 |
|
$472,000 |
$2,970 |
$118,800 |
|
Del Norte |
34 |
29 |
|
28 |
|
$384,000 |
$2,420 |
$96,800 |
|
El Dorado |
29 |
27 |
|
27 |
|
$690,000 |
$4,340 |
$173,600 |
|
Humboldt |
25 |
23 |
|
23 |
|
$446,620 |
$2,810 |
$112,400 |
|
Lake |
29 |
34 |
|
35 |
|
$358,250 |
$2,260 |
$90,400 |
|
Mariposa |
29 |
26 |
|
27 |
|
$425,000 |
$2,680 |
$107,200 |
|
Mendocino |
26 |
20 |
|
18 |
|
$470,000 |
$2,960 |
$118,400 |
|
Mono |
7 |
8 |
|
7 |
|
$1,079,000 |
$6,790 |
$271,600 |
|
Nevada |
30 |
27 |
|
26 |
|
$550,000 |
$3,460 |
$138,400 |
|
Sutter |
28 |
27 |
|
28 |
|
$455,000 |
$2,860 |
$114,400 |
|
Tuolumne |
36 |
38 |
|
40 |
|
$430,000 |
$2,710 |
$108,400 |
|
Yolo |
25 |
22 |
|
24 |
|
$620,000 |
$3,900 |
$156,000 |
|
Yuba |
28 |
26 |
|
27 |
|
$437,000 |
$2,750 |
$110,000 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
