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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
Q32024 |
First Time Buyer Housing Affordability Index |
|||||||
STATE/REGION/COUNTY |
Q32024 |
Q22024 |
|
Q32023 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
CA SFH (SAAR) |
29 |
26 |
|
29 |
|
$748,210 |
$4,940 |
$148,200 |
CA Condo/Townhomes |
41 |
38 |
|
40 |
|
$569,500 |
$3,760 |
$112,800 |
Los Angeles Metropolitan Area |
29 |
26 |
|
29 |
|
$702,950 |
$4,640 |
$139,200 |
Inland Empire |
41 |
38 |
|
40 |
|
$501,500 |
$3,310 |
$99,300 |
S.F. Bay Area |
29 |
23 |
|
27 |
|
$1,083,750 |
$7,160 |
$214,800 |
US |
53 |
51 |
|
52 |
|
$355,900 |
$2,350 |
$70,500 |
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
Alameda |
26 |
21 |
|
24 |
|
$1,083,750 |
$7,160 |
$214,800 |
Contra Costa |
41 |
37 |
|
39 |
|
$743,750 |
$4,910 |
$147,300 |
Marin |
26 |
23 |
|
24 |
|
$1,338,750 |
$8,840 |
$265,200 |
Napa |
30 |
29 |
|
30 |
|
$828,750 |
$5,470 |
$164,100 |
San Francisco |
27 |
26 |
|
27 |
|
$1,343,000 |
$8,870 |
$266,100 |
San Mateo |
25 |
23 |
|
25 |
|
$1,742,500 |
$11,510 |
$345,300 |
Santa Clara |
27 |
25 |
|
25 |
|
$1,615,000 |
$10,660 |
$319,800 |
Solano |
47 |
45 |
|
46 |
|
$510,000 |
$3,370 |
$101,100 |
Sonoma |
35 |
31 |
|
31 |
|
$709,750 |
$4,690 |
$140,700 |
Southern California |
|
|
|
|
|
|
|
|
Imperial |
45 |
43 |
|
45 |
|
$335,750 |
$2,220 |
$66,600 |
Los Angeles |
23 |
24 |
|
23 |
|
$805,360 |
$5,320 |
$159,600 |
Orange |
17 |
15 |
|
17 |
|
$1,188,730 |
$7,850 |
$235,500 |
Riverside |
39 |
36 |
|
38 |
|
$539,750 |
$3,560 |
$106,800 |
San Bernardino |
47 |
44 |
|
46 |
|
$433,500 |
$2,860 |
$85,800 |
San Diego |
25 |
21 |
|
24 |
|
$858,500 |
$5,670 |
$170,100 |
Ventura |
28 |
27 |
|
28 |
|
$807,500 |
$5,330 |
$159,900 |
Central Coast |
|
|
|
|
|
|
|
|
Monterey |
22 |
18 |
|
21 |
|
$807,500 |
$5,330 |
$159,900 |
San Luis Obispo |
23 |
23 |
|
23 |
|
$799,430 |
$5,280 |
$158,400 |
Santa Barbara |
26 |
13 |
|
18 |
|
$807,500 |
$5,330 |
$159,900 |
Santa Cruz |
21 |
18 |
|
20 |
|
$1,121,150 |
$7,400 |
$222,000 |
Central Valley |
|
|
|
|
|
|
|
|
Fresno |
47 |
45 |
|
45 |
|
$365,500 |
$2,410 |
$72,300 |
Glenn |
58 |
54 |
|
50 |
|
$277,950 |
$1,840 |
$55,200 |
Kern |
47 |
47 |
|
46 |
|
$344,250 |
$2,270 |
$68,100 |
Kings |
53 |
50 |
|
49 |
|
$318,750 |
$2,100 |
$63,000 |
Madera |
47 |
46 |
|
49 |
|
$362,900 |
$2,400 |
$72,000 |
Merced |
45 |
44 |
|
50 |
|
$351,050 |
$2,320 |
$69,600 |
Placer |
49 |
47 |
|
47 |
|
$569,500 |
$3,760 |
$112,800 |
Sacramento |
45 |
43 |
|
43 |
|
$476,000 |
$3,140 |
$94,200 |
San Benito |
42 |
37 |
|
36 |
|
$680,000 |
$4,490 |
$134,700 |
San Joaquin |
44 |
43 |
|
42 |
|
$487,010 |
$3,220 |
$96,600 |
Stanislaus |
48 |
44 |
|
44 |
|
$408,000 |
$2,690 |
$80,700 |
Tulare |
49 |
48 |
|
49 |
|
$323,000 |
$2,130 |
$63,900 |
Far North |
|
|
|
|
|
|
|
|
Butte |
46 |
44 |
|
46 |
|
$382,500 |
$2,530 |
$75,900 |
Lassen |
70 |
69 |
|
74 |
|
$223,130 |
$1,470 |
$44,100 |
Plumas |
39 |
46 |
|
49 |
|
$442,000 |
$2,920 |
$87,600 |
Shasta |
52 |
52 |
|
53 |
|
$327,250 |
$2,160 |
$64,800 |
Siskiyou |
55 |
50 |
|
53 |
|
$265,630 |
$1,750 |
$52,500 |
Tehama |
54 |
51 |
|
55 |
|
$276,250 |
$1,820 |
$54,600 |
Trinity |
52 |
46 |
|
50 |
|
$233,750 |
$1,540 |
$46,200 |
Other Counties in California |
|
|
|
|
|
|
|
|
Amador |
56 |
51 |
|
47 |
|
$353,600 |
$2,330 |
$69,900 |
Calaveras |
50 |
49 |
|
47 |
|
$412,250 |
$2,720 |
$81,600 |
Del Norte |
45 |
51 |
|
45 |
|
$357,000 |
$2,360 |
$70,800 |
El Dorado |
44 |
38 |
|
42 |
|
$565,250 |
$3,730 |
$111,900 |
Humboldt |
40 |
38 |
|
40 |
|
$373,920 |
$2,470 |
$74,100 |
Lake |
53 |
49 |
|
49 |
|
$291,550 |
$1,930 |
$57,900 |
Mariposa |
44 |
41 |
|
33 |
|
$347,650 |
$2,300 |
$69,000 |
Mendocino |
34 |
34 |
|
32 |
|
$466,650 |
$3,080 |
$92,400 |
Mono |
14 |
9 |
|
12 |
|
$738,650 |
$4,880 |
$146,400 |
Nevada |
43 |
40 |
|
40 |
|
$490,450 |
$3,240 |
$97,200 |
Sutter |
49 |
47 |
|
50 |
|
$365,500 |
$2,410 |
$72,300 |
Tuolumne |
57 |
49 |
|
49 |
|
$327,250 |
$2,160 |
$64,800 |
Yolo |
40 |
37 |
|
39 |
|
$522,750 |
$3,450 |
$103,500 |
Yuba |
46 |
43 |
|
45 |
|
$374,000 |
$2,470 |
$74,100 |
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.