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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
|
Q42024 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q42024 |
Q32024 |
|
Q42023 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
29 |
29 |
|
28 |
|
$743,150 |
$4,940 |
$148,200 |
|
CA Condo/Townhomes |
41 |
41 |
|
39 |
|
$569,500 |
$3,790 |
$113,700 |
|
Los Angeles Metropolitan Area |
29 |
29 |
|
29 |
|
$701,250 |
$4,660 |
$139,800 |
|
Inland Empire |
41 |
41 |
|
39 |
|
$507,880 |
$3,380 |
$101,400 |
|
S.F. Bay Area |
29 |
29 |
|
28 |
|
$1,094,800 |
$7,280 |
$218,400 |
|
US |
54 |
53 |
|
53 |
|
$348,590 |
$2,320 |
$69,600 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
28 |
26 |
|
25 |
|
$1,062,500 |
$7,070 |
$212,100 |
|
Contra Costa |
41 |
41 |
|
40 |
|
$743,750 |
$4,950 |
$148,500 |
|
Marin |
26 |
26 |
|
23 |
|
$1,402,500 |
$9,330 |
$279,900 |
|
Napa |
34 |
30 |
|
30 |
|
$760,750 |
$5,060 |
$151,800 |
|
San Francisco |
27 |
27 |
|
27 |
|
$1,360,000 |
$9,050 |
$271,500 |
|
San Mateo |
25 |
25 |
|
25 |
|
$1,717,850 |
$11,430 |
$342,900 |
|
Santa Clara |
27 |
27 |
|
26 |
|
$1,632,000 |
$10,850 |
$325,500 |
|
Solano |
48 |
47 |
|
46 |
|
$505,750 |
$3,360 |
$100,800 |
|
Sonoma |
35 |
35 |
|
31 |
|
$705,500 |
$4,690 |
$140,700 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
46 |
45 |
|
44 |
|
$328,950 |
$2,190 |
$65,700 |
|
Los Angeles |
23 |
23 |
|
22 |
|
$798,740 |
$5,310 |
$159,300 |
|
Orange |
18 |
17 |
|
17 |
|
$1,156,000 |
$7,690 |
$230,700 |
|
Riverside |
40 |
39 |
|
37 |
|
$534,650 |
$3,560 |
$106,800 |
|
San Bernardino |
48 |
47 |
|
45 |
|
$424,150 |
$2,820 |
$84,600 |
|
San Diego |
26 |
25 |
|
24 |
|
$837,250 |
$5,570 |
$167,100 |
|
Ventura |
29 |
28 |
|
28 |
|
$777,750 |
$5,170 |
$155,100 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
23 |
22 |
|
18 |
|
$790,500 |
$5,260 |
$157,800 |
|
San Luis Obispo |
24 |
23 |
|
21 |
|
$790,500 |
$5,260 |
$157,800 |
|
Santa Barbara |
18 |
26 |
|
17 |
|
$1,009,380 |
$6,710 |
$201,300 |
|
Santa Cruz |
22 |
21 |
|
20 |
|
$1,112,650 |
$7,400 |
$222,000 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
48 |
47 |
|
46 |
|
$357,910 |
$2,380 |
$71,400 |
|
Glenn |
53 |
58 |
|
51 |
|
$315,350 |
$2,100 |
$63,000 |
|
Kern |
47 |
47 |
|
46 |
|
$344,210 |
$2,290 |
$68,700 |
|
Kings |
55 |
53 |
|
50 |
|
$310,250 |
$2,060 |
$61,800 |
|
Madera |
46 |
47 |
|
49 |
|
$364,650 |
$2,430 |
$72,900 |
|
Merced |
43 |
45 |
|
49 |
|
$352,750 |
$2,350 |
$70,500 |
|
Placer |
50 |
49 |
|
48 |
|
$550,160 |
$3,660 |
$109,800 |
|
Sacramento |
47 |
45 |
|
42 |
|
$467,500 |
$3,110 |
$93,300 |
|
San Benito |
42 |
42 |
|
32 |
|
$705,500 |
$4,690 |
$140,700 |
|
San Joaquin |
48 |
44 |
|
40 |
|
$459,140 |
$3,050 |
$91,500 |
|
Stanislaus |
50 |
48 |
|
43 |
|
$399,500 |
$2,660 |
$79,800 |
|
Tulare |
48 |
49 |
|
50 |
|
$327,250 |
$2,180 |
$65,400 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
46 |
46 |
|
46 |
|
$382,500 |
$2,540 |
$76,200 |
|
Lassen |
69 |
70 |
|
68 |
|
$225,250 |
$1,500 |
$45,000 |
|
Plumas |
53 |
39 |
|
51 |
|
$322,150 |
$2,140 |
$64,200 |
|
Shasta |
53 |
52 |
|
54 |
|
$312,800 |
$2,080 |
$62,400 |
|
Siskiyou |
54 |
55 |
|
52 |
|
$271,150 |
$1,800 |
$54,000 |
|
Tehama |
54 |
54 |
|
56 |
|
$276,250 |
$1,840 |
$55,200 |
|
Trinity |
48 |
52 |
|
48 |
|
$254,410 |
$1,690 |
$50,700 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
54 |
56 |
|
51 |
|
$370,600 |
$2,460 |
$73,800 |
|
Calaveras |
54 |
50 |
|
50 |
|
$382,500 |
$2,540 |
$76,200 |
|
Del Norte |
51 |
45 |
|
43 |
|
$314,460 |
$2,090 |
$62,700 |
|
El Dorado |
44 |
44 |
|
41 |
|
$573,750 |
$3,820 |
$114,600 |
|
Humboldt |
39 |
40 |
|
40 |
|
$374,000 |
$2,490 |
$74,700 |
|
Lake |
55 |
53 |
|
46 |
|
$297,500 |
$1,980 |
$59,400 |
|
Mariposa |
39 |
44 |
|
35 |
|
$395,250 |
$2,630 |
$78,900 |
|
Mendocino |
39 |
34 |
|
35 |
|
$425,000 |
$2,830 |
$84,900 |
|
Mono |
12 |
14 |
|
10 |
|
$788,380 |
$5,240 |
$157,200 |
|
Nevada |
47 |
43 |
|
41 |
|
$456,880 |
$3,040 |
$91,200 |
|
Sutter |
45 |
49 |
|
50 |
|
$378,680 |
$2,520 |
$75,600 |
|
Tuolumne |
55 |
57 |
|
49 |
|
$348,500 |
$2,320 |
$69,600 |
|
Yolo |
41 |
40 |
|
38 |
|
$509,150 |
$3,390 |
$101,700 |
|
Yuba |
46 |
46 |
|
43 |
|
$373,070 |
$2,480 |
$74,400 |
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.
