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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
|
Q12026 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q12026 |
Q42025 |
|
Q12025 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
|
|
|
|
|
|
|
|
|
|
CA SFH (SAAR) |
38 |
36 |
r |
35 |
r |
$716,880 |
$4,490 |
$134,700 |
|
CA Condo/Townhomes |
50 |
49 |
r |
45 |
r |
$550,800 |
$3,450 |
$103,500 |
|
Los Angeles Metropolitan Area |
34 |
32 |
|
30 |
|
$701,250 |
$4,390 |
$131,700 |
|
Inland Empire |
46 |
45 |
|
40 |
|
$509,940 |
$3,190 |
$95,700 |
|
S.F. Bay Area |
33 |
32 |
|
29 |
|
$1,105,000 |
$6,920 |
$207,600 |
|
US |
62 |
60 |
r |
59 |
r |
$343,660 |
$2,150 |
$64,500 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
32 |
34 |
r |
29 |
r |
$1,105,000 |
$6,920 |
$207,600 |
|
Contra Costa |
49 |
47 |
r |
45 |
r |
$714,000 |
$4,470 |
$134,100 |
|
Marin |
33 |
34 |
r |
30 |
r |
$1,401,650 |
$8,780 |
$263,400 |
|
Napa |
42 |
39 |
r |
37 |
r |
$765,000 |
$4,790 |
$143,700 |
|
San Francisco |
28 |
30 |
r |
29 |
r |
$1,679,180 |
$10,520 |
$315,600 |
|
San Mateo |
29 |
30 |
r |
26 |
r |
$1,870,000 |
$11,710 |
$351,300 |
|
Santa Clara |
32 |
33 |
r |
30 |
r |
$1,725,500 |
$10,810 |
$324,300 |
|
Solano |
54 |
51 |
|
49 |
|
$484,500 |
$3,030 |
$90,900 |
|
Sonoma |
40 |
39 |
r |
37 |
r |
$702,100 |
$4,400 |
$132,000 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
44 |
43 |
|
45 |
|
$374,000 |
$2,340 |
$70,200 |
|
Los Angeles |
34 |
29 |
r |
30 |
r |
$729,730 |
$4,570 |
$137,100 |
|
Orange |
23 |
23 |
r |
19 |
r |
$1,226,490 |
$7,680 |
$230,400 |
|
Riverside |
49 |
49 |
r |
45 |
r |
$543,990 |
$3,410 |
$102,300 |
|
San Bernardino |
55 |
54 |
r |
52 |
r |
$425,000 |
$2,660 |
$79,800 |
|
San Diego |
34 |
35 |
r |
30 |
r |
$892,500 |
$5,590 |
$167,700 |
|
Ventura |
39 |
39 |
r |
35 |
r |
$803,250 |
$5,030 |
$150,900 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
31 |
28 |
r |
25 |
r |
$767,130 |
$4,800 |
$144,000 |
|
San Luis Obispo |
33 |
37 |
r |
30 |
r |
$833,430 |
$5,220 |
$156,600 |
|
Santa Barbara |
19 |
20 |
r |
14 |
r |
$1,141,130 |
$7,150 |
$214,500 |
|
Santa Cruz |
24 |
24 |
r |
22 |
|
$1,085,030 |
$6,800 |
$204,000 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
55 |
55 |
r |
52 |
r |
$365,500 |
$2,290 |
$68,700 |
|
Glenn |
62 |
60 |
|
59 |
|
$291,130 |
$1,820 |
$54,600 |
|
Kern |
57 |
57 |
r |
54 |
r |
$346,380 |
$2,170 |
$65,100 |
|
Kings |
59 |
61 |
r |
59 |
r |
$323,430 |
$2,030 |
$60,900 |
|
Madera |
57 |
57 |
r |
50 |
r |
$366,140 |
$2,290 |
$68,700 |
|
Merced |
53 |
53 |
r |
47 |
r |
$345,100 |
$2,160 |
$64,800 |
|
Placer |
56 |
55 |
r |
53 |
r |
$551,650 |
$3,450 |
$103,500 |
|
Sacramento |
55 |
55 |
r |
51 |
r |
$463,250 |
$2,900 |
$87,000 |
|
San Benito |
47 |
47 |
r |
46 |
r |
$680,000 |
$4,260 |
$127,800 |
|
San Joaquin |
56 |
55 |
r |
53 |
r |
$459,000 |
$2,870 |
$86,100 |
|
Stanislaus |
53 |
51 |
|
50 |
|
$401,310 |
$2,510 |
$75,300 |
|
Tulare |
59 |
60 |
r |
55 |
r |
$333,850 |
$2,090 |
$62,700 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
47 |
44 |
r |
43 |
r |
$365,500 |
$2,290 |
$68,700 |
|
Lassen |
76 |
74 |
|
74 |
|
$184,450 |
$1,160 |
$34,800 |
|
Plumas |
63 |
58 |
|
57 |
|
$301,750 |
$1,890 |
$56,700 |
|
Shasta |
58 |
59 |
r |
54 |
r |
$337,030 |
$2,110 |
$63,300 |
|
Siskiyou |
55 |
58 |
|
54 |
|
$286,880 |
$1,800 |
$54,000 |
|
Tehama |
57 |
57 |
|
52 |
|
$276,250 |
$1,730 |
$51,900 |
|
Trinity |
52 |
61 |
|
54 |
|
$262,520 |
$1,640 |
$49,200 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
57 |
58 |
|
54 |
|
$378,250 |
$2,370 |
$71,100 |
|
Calaveras |
56 |
58 |
|
56 |
|
$399,500 |
$2,500 |
$75,000 |
|
Del Norte |
58 |
54 |
|
56 |
|
$312,380 |
$1,960 |
$58,800 |
|
El Dorado |
56 |
57 |
r |
50 |
r |
$586,500 |
$3,670 |
$110,100 |
|
Humboldt |
48 |
45 |
r |
43 |
r |
$345,100 |
$2,160 |
$64,800 |
|
Lake |
46 |
40 |
r |
44 |
r |
$278,380 |
$1,740 |
$52,200 |
|
Mariposa |
48 |
47 |
|
45 |
r |
$382,500 |
$2,400 |
$72,000 |
|
Mendocino |
48 |
47 |
r |
41 |
r |
$411,830 |
$2,580 |
$77,400 |
|
Mono |
9 |
22 |
|
9 |
|
$1,402,500 |
$8,780 |
$263,400 |
|
Nevada |
56 |
57 |
r |
57 |
r |
$467,500 |
$2,930 |
$87,900 |
|
Sutter |
54 |
55 |
r |
56 |
r |
$388,880 |
$2,440 |
$73,200 |
|
Tuolumne |
61 |
61 |
|
58 |
|
$331,500 |
$2,080 |
$62,400 |
|
Yolo |
49 |
47 |
r |
44 |
r |
$514,250 |
$3,220 |
$96,600 |
|
Yuba |
57 |
57 |
r |
53 |
r |
$382,420 |
$2,400 |
$72,000 |
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.
