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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
|
Q22026 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q22026 |
Q12026 |
|
Q22025 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
34 |
38 |
|
32 |
r |
$779,240 |
$5,000 |
$150,000 |
|
CA Condo/Townhomes |
48 |
50 |
|
45 |
r |
$569,500 |
$3,650 |
$109,500 |
|
Los Angeles Metropolitan Area |
33 |
34 |
|
29 |
|
$731,000 |
$4,690 |
$140,700 |
|
Inland Empire |
46 |
46 |
|
41 |
|
$514,250 |
$3,300 |
$99,000 |
|
S.F. Bay Area |
30 |
33 |
|
27 |
|
$1,207,000 |
$7,740 |
$232,200 |
|
US |
58 |
62 |
|
56 |
r |
$369,670 |
$2,370 |
$71,100 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
30 |
32 |
|
28 |
r |
$1,147,500 |
$7,360 |
$220,800 |
|
Contra Costa |
45 |
49 |
|
42 |
r |
$782,000 |
$5,010 |
$150,300 |
|
Marin |
31 |
33 |
|
30 |
r |
$1,530,000 |
$9,810 |
$294,300 |
|
Napa |
40 |
42 |
|
37 |
r |
$773,500 |
$4,960 |
$148,800 |
|
San Francisco |
26 |
28 |
|
28 |
r |
$1,827,500 |
$11,720 |
$351,600 |
|
San Mateo |
27 |
29 |
|
27 |
r |
$1,977,950 |
$12,680 |
$380,400 |
|
Santa Clara |
31 |
32 |
|
29 |
r |
$1,742,500 |
$11,170 |
$335,100 |
|
Solano |
52 |
54 |
|
48 |
r |
$501,500 |
$3,220 |
$96,600 |
|
Sonoma |
37 |
40 |
|
36 |
r |
$739,500 |
$4,740 |
$142,200 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
46 |
44 |
|
45 |
|
$365,500 |
$2,340 |
$70,200 |
|
Los Angeles |
32 |
34 |
|
29 |
r |
$747,920 |
$4,790 |
$143,700 |
|
Orange |
21 |
23 |
|
20 |
r |
$1,262,250 |
$8,090 |
$242,700 |
|
Riverside |
48 |
49 |
|
45 |
r |
$544,000 |
$3,490 |
$104,700 |
|
San Bernardino |
55 |
55 |
|
53 |
r |
$425,000 |
$2,720 |
$81,600 |
|
San Diego |
31 |
34 |
|
31 |
r |
$913,750 |
$5,860 |
$175,800 |
|
Ventura |
36 |
39 |
|
34 |
r |
$828,750 |
$5,310 |
$159,300 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
27 |
31 |
|
25 |
r |
$828,750 |
$5,310 |
$159,300 |
|
San Luis Obispo |
31 |
33 |
|
32 |
r |
$824,500 |
$5,290 |
$158,700 |
|
Santa Barbara |
18 |
19 |
|
16 |
r |
$1,159,420 |
$7,430 |
$222,900 |
|
Santa Cruz |
23 |
24 |
|
22 |
r |
$1,132,630 |
$7,260 |
$217,800 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
54 |
55 |
|
52 |
r |
$365,500 |
$2,340 |
$70,200 |
|
Glenn |
62 |
62 |
|
58 |
|
$300,900 |
$1,930 |
$57,900 |
|
Kern |
55 |
57 |
|
53 |
r |
$348,500 |
$2,230 |
$66,900 |
|
Kings |
57 |
59 |
|
59 |
r |
$327,250 |
$2,100 |
$63,000 |
|
Madera |
53 |
57 |
|
52 |
r |
$374,000 |
$2,400 |
$72,000 |
|
Merced |
49 |
53 |
|
47 |
r |
$356,520 |
$2,290 |
$68,700 |
|
Placer |
53 |
56 |
|
51 |
r |
$578,000 |
$3,710 |
$111,300 |
|
Sacramento |
53 |
55 |
|
51 |
r |
$476,000 |
$3,050 |
$91,500 |
|
San Benito |
46 |
47 |
|
39 |
r |
$670,230 |
$4,300 |
$129,000 |
|
San Joaquin |
53 |
56 |
|
50 |
r |
$475,530 |
$3,050 |
$91,500 |
|
Stanislaus |
53 |
53 |
|
48 |
r |
$415,850 |
$2,670 |
$80,100 |
|
Tulare |
59 |
59 |
|
55 |
r |
$329,580 |
$2,110 |
$63,300 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
44 |
47 |
|
39 |
r |
$395,250 |
$2,530 |
$75,900 |
|
Lassen |
67 |
76 |
|
65 |
|
$238,000 |
$1,530 |
$45,900 |
|
Plumas |
43 |
63 |
|
52 |
|
$467,500 |
$3,000 |
$90,000 |
|
Shasta |
59 |
58 |
|
55 |
r |
$327,250 |
$2,100 |
$63,000 |
|
Siskiyou |
55 |
55 |
|
57 |
|
$288,150 |
$1,850 |
$55,500 |
|
Tehama |
52 |
55 |
r |
50 |
r |
$314,500 |
$2,020 |
$60,600 |
|
Trinity |
49 |
52 |
|
48 |
|
$295,380 |
$1,890 |
$56,700 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
58 |
57 |
|
54 |
|
$374,000 |
$2,400 |
$72,000 |
|
Calaveras |
54 |
56 |
|
53 |
|
$424,150 |
$2,720 |
$81,600 |
|
Del Norte |
53 |
58 |
|
48 |
|
$352,750 |
$2,260 |
$67,800 |
|
El Dorado |
52 |
56 |
|
51 |
r |
$607,750 |
$3,900 |
$117,000 |
|
Humboldt |
45 |
48 |
|
38 |
r |
$369,750 |
$2,370 |
$71,100 |
|
Lake |
48 |
46 |
|
43 |
r |
$293,250 |
$1,880 |
$56,400 |
|
Mariposa |
44 |
48 |
|
43 |
|
$420,750 |
$2,700 |
$81,000 |
|
Mendocino |
43 |
48 |
|
42 |
r |
$453,690 |
$2,910 |
$87,300 |
|
Mono |
9 |
9 |
|
17 |
|
$1,402,500 |
$8,990 |
$269,700 |
|
Nevada |
50 |
56 |
|
54 |
r |
$522,750 |
$3,350 |
$100,500 |
|
Sutter |
53 |
54 |
|
52 |
r |
$388,450 |
$2,490 |
$74,700 |
|
Tuolumne |
59 |
61 |
|
56 |
|
$347,650 |
$2,230 |
$66,900 |
|
Yolo |
45 |
49 |
|
42 |
r |
$569,930 |
$3,650 |
$109,500 |
|
Yuba |
56 |
57 |
|
54 |
r |
$381,570 |
$2,450 |
$73,500 |
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.
