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C.A.R. conducts survey research with members and consumers on a regular basis to get a better understanding of the housing market and the real estate industry.
California Model MLS Rules, Issues Briefing Papers, and other articles and materials related to MLS policy.
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Summaries and photos of California REALTORS® who violated the Code of Ethics and were disciplined with a fine, letter of reprimand, suspension, or expulsion.
The most recent edition of the Code of Ethics and Standards of Practice of the National Association of REALTORS® along with other important links to NAR information.
The California Professional Standards Reference Manual, Local Association Forms, NAR materials and other materials related to Code of Ethics enforcement and arbitration.
C.A.R. advocates for REALTOR® issues in Washington D.C., Sacramento and in city and county governments throughout California.
CREPAC, LCRC, IMPAC, ALF and the RAF comprise C.A.R.'s political fundraising arm.
The RAA: Protecting REALTORS® and Homeownership REALTOR® Action FundLearn how you can make a difference, by getting involved yourself or by passing along valuable information to your clients.
C.A.R.’s Housing Affordability Index (HAI) measures the percentage of households that can afford to purchase a median-priced, single-family home in California. C.A.R. also reports affordability indices for regions and select counties within the state. The index is considered the most fundamental measure of housing well-being for home buyers in the state.
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Click here for the latest 2024 Housing Affordability by Ethnicity
Traditional Housing Affordability Index Methodology
Traditional Housing Affordability Indices (HAI) were calculated based on the following effective composite interest rates: 6.35%% (Q425), 6.67%% (Q325), and 6.76%% (Q424).
|
Q42025 |
C.A.R. Traditional Housing Affordability Index |
|||||||
|
STATE/REGION/COUNTY |
Q42025 |
Q32025 |
|
Q42024 |
|
Median Home Price |
Monthly Payment Including Taxes & Insurance |
Minimum Qualifying Income |
|
CA SFH (SAAR) |
18 |
17 |
|
16 |
r |
$869,300 |
$5,330 |
$213,200 |
|
CA Condo/Townhomes |
28 |
27 |
|
25 |
r |
$650,000 |
$3,980 |
$159,200 |
|
Los Angeles Metropolitan Area |
17 |
16 |
|
15 |
r |
$830,000 |
$5,090 |
$203,600 |
|
Inland Empire |
24 |
23 |
|
21 |
r |
$595,000 |
$3,650 |
$146,000 |
|
S.F. Bay Area |
23 |
22 |
|
21 |
r |
$1,263,900 |
$7,750 |
$310,000 |
|
US |
39 |
36 |
|
36 |
|
$414,900 |
$2,540 |
$101,600 |
|
|
|
|
|
|
|
|
|
|
|
S.F. Bay Area |
|
|
|
|
|
|
|
|
|
Alameda |
22 |
21 |
|
19 |
r |
$1,225,000 |
$7,510 |
$300,400 |
|
Contra Costa |
27 |
26 |
|
25 |
r |
$860,000 |
$5,270 |
$210,800 |
|
Marin |
25 |
22 |
|
19 |
r |
$1,527,500 |
$9,360 |
$374,400 |
|
Napa |
17 |
16 |
|
18 |
|
$924,000 |
$5,660 |
$226,400 |
|
San Francisco |
21 |
22 |
|
21 |
|
$1,800,000 |
$11,030 |
$441,200 |
|
San Mateo |
19 |
18 |
|
17 |
|
$2,070,000 |
$12,690 |
$507,600 |
|
Santa Clara |
21 |
20 |
|
19 |
r |
$1,920,000 |
$11,770 |
$470,800 |
|
Solano |
30 |
26 |
|
26 |
|
$580,000 |
$3,550 |
$142,000 |
|
Sonoma |
19 |
19 |
|
19 |
r |
$821,000 |
$5,030 |
$201,200 |
|
Southern California |
|
|
|
|
|
|
|
|
|
Imperial |
25 |
26 |
|
29 |
r |
$435,000 |
$2,670 |
$106,800 |
|
Los Angeles |
13 |
12 |
|
12 |
r |
$939,690 |
$5,760 |
$230,400 |
|
Orange |
14 |
13 |
|
12 |
|
$1,396,500 |
$8,560 |
$342,400 |
|
Riverside |
24 |
23 |
|
21 |
r |
$633,580 |
$3,880 |
$155,200 |
|
San Bernardino |
30 |
29 |
|
28 |
r |
$497,000 |
$3,050 |
$122,000 |
|
San Diego |
15 |
13 |
|
12 |
|
$994,000 |
$6,090 |
$243,600 |
|
Ventura |
17 |
16 |
|
14 |
|
$932,500 |
$5,720 |
$228,800 |
|
Central Coast |
|
|
|
|
|
|
|
|
|
Monterey |
12 |
9 |
|
11 |
r |
$925,000 |
$5,670 |
$226,800 |
|
San Luis Obispo |
14 |
13 |
|
12 |
r |
$905,000 |
$5,550 |
$222,000 |
|
Santa Barbara |
12 |
12 |
|
11 |
r |
$1,250,000 |
$7,660 |
$306,400 |
|
Santa Cruz |
15 |
14 |
|
15 |
r |
$1,287,500 |
$7,890 |
$315,600 |
|
Central Valley |
|
|
|
|
|
|
|
|
|
Fresno |
33 |
30 |
|
31 |
r |
$430,000 |
$2,640 |
$105,600 |
|
Glenn |
42 |
37 |
|
34 |
r |
$342,750 |
$2,100 |
$84,000 |
|
Kern |
33 |
31 |
|
30 |
r |
$397,490 |
$2,440 |
$97,600 |
|
Kings |
36 |
35 |
r |
34 |
r |
$370,000 |
$2,270 |
$90,800 |
|
Madera |
35 |
32 |
|
30 |
|
$440,000 |
$2,700 |
$108,000 |
|
Merced |
30 |
27 |
|
25 |
r |
$420,000 |
$2,570 |
$102,800 |
|
Placer |
34 |
31 |
|
31 |
|
$655,000 |
$4,010 |
$160,400 |
|
Sacramento |
30 |
28 |
|
27 |
r |
$539,000 |
$3,300 |
$132,000 |
|
San Benito |
27 |
26 |
|
21 |
r |
$750,000 |
$4,600 |
$184,000 |
|
San Joaquin |
31 |
29 |
|
28 |
r |
$540,000 |
$3,310 |
$132,400 |
|
Stanislaus |
31 |
28 |
|
31 |
r |
$465,000 |
$2,850 |
$114,000 |
|
Tulare |
35 |
33 |
|
29 |
r |
$381,500 |
$2,340 |
$93,600 |
|
Far North |
|
|
|
|
|
|
|
|
|
Butte |
30 |
27 |
|
28 |
|
$440,000 |
$2,700 |
$108,000 |
|
Lassen |
57 |
52 |
|
52 |
r |
$229,000 |
$1,400 |
$56,000 |
|
Plumas |
39 |
30 |
|
35 |
r |
$399,500 |
$2,450 |
$98,000 |
|
Shasta |
37 |
35 |
|
35 |
r |
$370,000 |
$2,270 |
$90,800 |
|
Siskiyou |
39 |
35 |
|
36 |
r |
$302,500 |
$1,850 |
$74,000 |
|
Tehama |
39 |
35 |
|
37 |
r |
$322,000 |
$1,970 |
$78,800 |
|
Trinity |
44 |
34 |
|
29 |
|
$250,000 |
$1,530 |
$61,200 |
|
Other Counties in California |
|
|
|
|
|
|
|
|
|
Amador |
38 |
36 |
|
36 |
r |
$420,000 |
$2,570 |
$102,800 |
|
Calaveras |
39 |
34 |
|
35 |
r |
$439,000 |
$2,690 |
$107,600 |
|
Del Norte |
36 |
34 |
|
33 |
|
$379,000 |
$2,320 |
$92,800 |
|
El Dorado |
32 |
29 |
|
27 |
r |
$675,000 |
$4,140 |
$165,600 |
|
Humboldt |
30 |
25 |
|
22 |
r |
$413,000 |
$2,530 |
$101,200 |
|
Lake |
31 |
29 |
|
36 |
r |
$332,000 |
$2,030 |
$81,200 |
|
Mariposa |
29 |
29 |
|
24 |
r |
$441,000 |
$2,700 |
$108,000 |
|
Mendocino |
25 |
26 |
|
22 |
r |
$492,500 |
$3,020 |
$120,800 |
|
Mono |
10 |
7 |
|
7 |
r |
$923,000 |
$5,660 |
$226,400 |
|
Nevada |
31 |
30 |
|
30 |
r |
$550,000 |
$3,370 |
$134,800 |
|
Sutter |
31 |
28 |
|
25 |
r |
$450,000 |
$2,760 |
$110,400 |
|
Tuolumne |
43 |
36 |
|
38 |
r |
$380,000 |
$2,330 |
$93,200 |
|
Yolo |
26 |
25 |
|
24 |
r |
$622,500 |
$3,820 |
$152,800 |
|
Yuba |
29 |
28 |
|
27 |
|
$442,750 |
$2,710 |
$108,400 |
Source: CALIFORNIA ASSOCIATION OF REALTORS®
