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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
|
Q12024 |
First Time Buyer Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q12024 |
Q42023 |
|
Q12023 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
31 |
28 |
|
36 |
r |
$692,140 |
$4,650 |
$139,500 |
|
CA Condo/Townhomes |
41 |
39 |
|
45 |
|
$556,750 |
$3,740 |
$112,200 |
|
Los Angeles Metropolitan Area |
30 |
29 |
|
36 |
|
$667,250 |
$4,480 |
$134,400 |
|
Inland Empire |
40 |
39 |
|
45 |
|
$492,950 |
$3,310 |
$99,300 |
|
S.F. Bay Area |
28 |
28 |
|
36 |
|
$1,066,750 |
$7,160 |
$214,800 |
|
US |
55 |
53 |
|
58 |
|
$330,990 |
$2,220 |
$66,600 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
24 |
25 |
|
33 |
|
$1,098,630 |
$7,380 |
$221,400 |
|
Contra Costa |
42 |
40 |
|
48 |
|
$701,250 |
$4,710 |
$141,300 |
|
Marin |
24 |
23 |
|
26 |
|
$1,419,500 |
$9,530 |
$285,900 |
|
Napa |
32 |
30 |
|
37 |
|
$756,500 |
$5,080 |
$152,400 |
|
San Francisco |
27 |
27 |
|
28 |
|
$1,402,500 |
$9,420 |
$282,600 |
|
San Mateo |
25 |
25 |
|
27 |
|
$1,700,000 |
$11,410 |
$342,300 |
|
Santa Clara |
26 |
26 |
|
28 |
|
$1,564,000 |
$10,500 |
$315,000 |
|
Solano |
48 |
46 |
|
51 |
|
$493,000 |
$3,310 |
$99,300 |
|
Sonoma |
32 |
31 |
|
36 |
|
$714,000 |
$4,790 |
$143,700 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
47 |
44 |
|
49 |
|
$306,000 |
$2,050 |
$61,500 |
|
Los Angeles |
26 |
22 |
|
33 |
|
$699,510 |
$4,700 |
$141,000 |
|
Orange |
17 |
17 |
|
22 |
|
$1,160,250 |
$7,790 |
$233,700 |
|
Riverside |
38 |
37 |
|
42 |
|
$535,500 |
$3,600 |
$108,000 |
|
San Bernardino |
47 |
45 |
|
50 |
|
$414,180 |
$2,780 |
$83,400 |
|
San Diego |
24 |
24 |
|
30 |
|
$833,850 |
$5,600 |
$168,000 |
|
Ventura |
30 |
28 |
|
36 |
|
$755,650 |
$5,070 |
$152,100 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
23 |
18 |
|
27 |
|
$737,380 |
$4,950 |
$148,500 |
|
San Luis Obispo |
23 |
21 |
|
28 |
|
$760,750 |
$5,110 |
$153,300 |
|
Santa Barbara |
20 |
17 |
|
29 |
|
$892,500 |
$5,990 |
$179,700 |
|
Santa Cruz |
21 |
20 |
|
23 |
|
$1,062,500 |
$7,130 |
$213,900 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
47 |
46 |
|
51 |
|
$348,500 |
$2,340 |
$70,200 |
|
Glenn |
53 |
51 |
|
52 |
|
$296,650 |
$1,990 |
$59,700 |
|
Kern |
48 |
46 |
|
51 |
|
$323,000 |
$2,170 |
$65,100 |
|
Kings |
55 |
50 |
|
55 |
|
$295,330 |
$1,980 |
$59,400 |
|
Madera |
48 |
49 |
|
54 |
|
$365,500 |
$2,450 |
$73,500 |
|
Merced |
49 |
49 |
|
53 |
|
$333,130 |
$2,240 |
$67,200 |
|
Placer |
50 |
48 |
|
52 |
|
$549,200 |
$3,690 |
$110,700 |
|
Sacramento |
45 |
42 |
|
50 |
|
$453,820 |
$3,050 |
$91,500 |
|
San Benito |
40 |
32 |
|
45 |
|
$654,930 |
$4,400 |
$132,000 |
|
San Joaquin |
44 |
40 |
|
47 |
|
$454,750 |
$3,050 |
$91,500 |
|
Stanislaus |
47 |
43 |
|
50 |
|
$389,510 |
$2,610 |
$78,300 |
|
Tulare |
51 |
50 |
|
55 |
|
$309,270 |
$2,080 |
$62,400 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
46 |
46 |
|
50 |
|
$369,750 |
$2,480 |
$74,400 |
|
Lassen |
68 |
68 |
|
70 |
|
$219,730 |
$1,480 |
$44,400 |
|
Plumas |
54 |
51 |
|
60 |
|
$315,310 |
$2,120 |
$63,600 |
|
Shasta |
54 |
54 |
|
57 |
|
$314,930 |
$2,110 |
$63,300 |
|
Siskiyou |
50 |
52 |
|
60 |
|
$280,500 |
$1,880 |
$56,400 |
|
Tehama |
55 |
56 |
|
56 |
|
$272,000 |
$1,830 |
$54,900 |
|
Trinity |
45 |
48 |
|
39 |
|
$276,250 |
$1,850 |
$55,500 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
49 |
51 |
|
54 |
|
$381,230 |
$2,560 |
$76,800 |
|
Calaveras |
51 |
50 |
|
53 |
|
$382,500 |
$2,570 |
$77,100 |
|
Del Norte |
51 |
43 |
|
49 |
|
$297,500 |
$2,000 |
$60,000 |
|
El Dorado |
43 |
41 |
|
49 |
|
$561,000 |
$3,770 |
$113,100 |
|
Humboldt |
42 |
40 |
|
44 |
|
$359,080 |
$2,410 |
$72,300 |
|
Lake |
51 |
46 |
|
50 |
|
$272,000 |
$1,830 |
$54,900 |
|
Mariposa |
40 |
35 |
|
45 |
|
$352,750 |
$2,370 |
$71,100 |
|
Mendocino |
38 |
35 |
|
44 |
|
$401,200 |
$2,690 |
$80,700 |
|
Mono |
7 |
10 |
|
17 |
|
$1,062,500 |
$7,130 |
$213,900 |
|
Nevada |
44 |
41 |
|
48 |
|
$450,500 |
$3,020 |
$90,600 |
|
Sutter |
51 |
50 |
|
56 |
|
$354,450 |
$2,380 |
$71,400 |
|
Tuolumne |
53 |
49 |
|
55 |
|
$337,880 |
$2,270 |
$68,100 |
|
Yolo |
40 |
38 |
|
45 |
|
$526,320 |
$3,530 |
$105,900 |
|
Yuba |
45 |
43 |
|
48 |
|
$371,700 |
$2,500 |
$75,000 |
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.
