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Housing Affordability Index - Traditional

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C.A.R.'s Traditional Housing Affordability Index (HAI) measures the percentage of households that can afford to purchase the median priced home in the state and regions of California based on traditional assumptions. C.A.R. also reports its traditional and first-time buyer indexes for regions and select counties within the state. The HAI is the most fundamental measure of housing well-being for buyers in the state.


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Q4-2019

C.A.R. Traditional Housing Affordability Index

STATE/REGION/COUNTY

Q4-2019

Q3-2019

 

Q4-2018

 

Median Home Price

Monthly Payment Including Taxes & Insurance

Minimum Qualifying Income

CA SFH (SAAR)

31

31

 

28

 

$607,040

$2,990

$119,600

CA Condo/Townhomes

41

43

 

37

 

$480,000

$2,360

$94,400

Los Angeles Metropolitan Area

33

33

 

30

 

$550,000

$2,710

$108,400

Inland Empire

44

44

 

40

 

$380,000

$1,870

$74,800

S.F. Bay Area

28

29

 

22

 

$925,000

$4,550

$182,000

US

57

56

 

54

 

$274,900

$1,350

$54,000

 

 

 

 

 

 

 

 

 

S.F. Bay Area

 

 

 

 

 

 

 

 

Alameda

27

26

 

20

 

$905,000

$4,450

$178,000

Contra Costa

39

39

 

33

 

$662,500

$3,260

$130,400

Marin

22

22

 

19

 

$1,325,000

$6,520

$260,800

Napa

30

29

 

25

 

$715,100

$3,520

$140,800

San Francisco

18

18

 

15

 

$1,600,000

$7,870

$314,800

San Mateo

20

20

 

15

 

$1,550,000

$7,620

$304,800

Santa Clara

22

22

 

18

 

$1,246,000

$6,130

$245,200

Solano

47

47

 

39

 

$460,000

$2,260

$90,400

Sonoma

30

28

 

23

 

$656,360

$3,230

$129,200

Southern California

 

 

 

 

 

 

 

 

Los Angeles

27

25

 

24

 

$617,310

$3,040

$121,600

Orange

26

25

 

20

 

$828,000

$4,070

$162,800

Riverside

41

41

 

37

 

$420,000

$2,070

$82,800

San Bernardino

51

51

 

48

 

$318,000

$1,560

$62,400

San Diego

29

29

 

24

 

$655,000

$3,220

$128,800

Ventura

31

30

 

29

 

$660,000

$3,250

$130,000

Central Coast

 

 

 

 

 

 

 

 

Monterey

24

24

 

21

 

$655,000

$3,220

$128,800

San Luis Obispo

29

27

 

22

 

$617,000

$3,030

$121,200

Santa Barbara

23

22

 

26

 

$696,250

$3,420

$136,800

Santa Cruz

21

22

 

12

 

$883,000

$4,340

$173,600

Central Valley

 

 

 

 

 

 

 

 

Fresno

49

49

 

46

 

$289,000

$1,420

$56,800

Kern

50

51

 

53

 

$260,000

$1,280

$51,200

Kings

55

55

 

50

 

$255,000

$1,250

$50,000

Madera

51

52

 

47

 

$290,900

$1,430

$57,200

Merced

49

49

 

40

 

$280,000

$1,380

$55,200

Placer

49

48

 

42

 

$495,500

$2,440

$97,600

Sacramento

45

45

 

42

 

$385,000

$1,890

$75,600

San Benito

34

35

 

28

 

$600,000

$2,950

$118,000

San Joaquin

45

44

 

38

 

$380,000

$1,870

$74,800

Stanislaus

48

48

 

45

 

$335,000

$1,650

$66,000

Tulare

52

51

 

47

 

$250,000

$1,230

$49,200

Other Counties in California

 

 

 

 

 

 

 

 

Amador

49

49

 

45

r

$320,000

$1,570

$62,800

Butte

39

38

 

34

 

$350,000

$1,720

$68,800

Calaveras

47

49

 

45

 

$349,000

$1,720

$68,800

El Dorado

45

42

 

42

 

$481,000

$2,370

$94,800

Humboldt

38

37

 

33

 

$325,000

$1,600

$64,000

Lake

45

47

 

40

 

$275,000

$1,350

$54,000

Lassen

63

64

 

66

 

$215,000

$1,060

$42,400

Mariposa

45

44

 

38

 

$309,500

$1,520

$60,800

Mendocino

29

30

 

23

 

$415,000

$2,040

$81,600

Mono

26

17

 

12

 

$570,000

$2,800

$112,000

Nevada

40

41

 

35

 

$430,000

$2,120

$84,800

Plumas

52

46

 

42

 

$275,000

$1,350

$54,000

Shasta

48

47

 

45

 

$285,000

$1,400

$56,000

Siskiyou

50

51

 

50

 

$230,000

$1,130

$45,200

Sutter

46

47

 

44

 

$317,450

$1,560

$62,400

Tehama

45

46

 

46

 

$261,500

$1,290

$51,600

Tuolumne

51

49

 

48

 

$289,000

$1,420

$56,800

Yolo

40

39

 

37

 

$459,950

$2,260

$90,400

Yuba

47

48

 

44

 

$305,000

$1,500

$60,000

 

Traditional Housing Affordability Index Methodology

Source: CALIFORNIA ASSOCIATION OF REALTORS®


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