Housing Affordability Index – Traditional

Housing Affordability Index

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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STATE/REGION/COUNTY	Q3-2017	Q2-2017		Q3-2016		Median Home Price	Monthly Payment Including Taxes & Insurance	Minimum Qualifying Income
CA SFH (SAAR)	28	29		31		$555,680	$2,800	$112,100
CA Condo/Townhomes	38	39	R	40		$440,000	$2,220	$88,770
Los Angeles Metropolitan Area	30	31		34		$502,000	$2,530	$101,270
Inland Empire	43	43		47	R	$339,900	$1,710	$68,570
S.F. Bay Area	23	21		27	R	$860,000	$4,340	$173,500
US	55	55		57		$254,000	$1,280	$51,240

S.F. Bay Area
Alameda	20	19		24	R	$865,000	$4,360	$174,500
Contra Costa	33	31		37	R	$624,450	$3,150	$125,980
Marin	18	17		19		$1,225,000	$6,180	$247,130
Napa	26	25		25		$653,000	$3,290	$131,740
San Francisco	13	12		14		$1,370,000	$6,910	$276,380
San Mateo	15	14		15		$1,441,250	$7,270	$290,760
Santa Clara	17	17		22		$1,165,000	$5,880	$235,030
Solano	43	44		45		$415,750	$2,100	$83,870
Sonoma	25	25		27		$630,000	$3,180	$127,100
Southern California
Los Angeles	22	28		26		$595,110	$3,000	$120,060
Orange	21	21		23		$790,000	$3,980	$159,370
Riverside	38	39		42		$387,000	$1,950	$78,070
San Bernardino	51	51		55		$270,000	$1,360	$54,470
San Diego	26	26		28	R	$607,000	$3,060	$122,460
Ventura	27	27		34	R	$634,000	$3,200	$127,900
Central Coast
Monterey	22	21		25		$585,000	$2,950	$118,020
San Luis Obispo	23	26		27	R	$599,000	$3,020	$120,840
Santa Barbara	20	16		20		$664,540	$3,350	$134,060
Santa Cruz	17	17		18		$830,000	$4,190	$167,440
Central Valley
Fresno	45	47		50		$259,900	$1,310	$52,430
Kern	53	54		56		$235,000	$1,190	$47,410
Kings	52	52		58	R	$225,000	$1,130	$45,390
Madera	41	44		48	R	$280,000	$1,410	$56,490
Merced	47	48		51	R	$255,000	$1,290	$51,440
Placer	44	43		47	R	$455,000	$2,290	$91,790
Sacramento	43	45		46	R	$350,000	$1,770	$70,610
San Benito	31	33		34		$550,000	$2,770	$110,960
San Joaquin	41	43		45	R	$352,250	$1,780	$71,060
Stanislaus	46	47		49	R	$295,000	$1,490	$59,510
Tulare	51	52		50	R	$225,000	$1,130	$45,390
Other Counties in California
Amador	44	42		53		$320,000	$1,610	$64,560
Butte	40	39		44		$299,900	$1,510	$60,500
El Dorado	41	40		40		$462,750	$2,330	$93,350
Humboldt	33	36		40		$318,000	$1,600	$64,150
Lake	38	38		46		$249,950	$1,260	$50,420
Mariposa And Tuolumne	45	46		50		$289,000	$1,460	$58,300
Mendocino	28	27		33		$391,000	$1,970	$78,880
Shasta	48	47		48		$250,000	$1,260	$50,430
Siskiyou	49	47		51		$203,500	$1,030	$41,050
Sutter	51	53		51		$280,600	$1,420	$56,610
Tehama	56	57		59		$208,500	$1,050	$42,060
Yolo	34	35		36		$435,000	$2,190	$87,760
Yuba	43	43		46		$268,520	$1,350	$54,170

Traditional Housing Affordability Index Methodology

Source: CALIFORNIA ASSOCIATION OF REALTORS

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Housing Affordability Index – Traditional