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California Housing Affordability Index | MBR-HAI

California Housing Affordability Index

Daily affordability score for California compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score
California
81.5
Moderately Less Affordable
MBR-HAI • April 10, 2026
National Average
100.6
Near National Average
MBR-HAI • April 10, 2026
National Rank #51 of 51 states
vs. National Average -19.1 points
30-yr Rate Used 6.609%
Median Home Value $734,700
Median Household Income $99,122

California Affordability Ranking

#51 of 51 states — April 10, 2026 Bottom 20% least affordable
Most Affordable Least Affordable
More affordable than: 0 of 51 states (0%)
Less affordable than: 50 of 51 states (98%)
MBR-HAI Score: 81.5 vs. national 100.6 (-19.1 points)
Nearby States
↑ 48 more affordable states above
#49 OR 89.2
#50 MA 87.2
#51 California ◀ 81.5
Top 5 Most Affordable
#1 WV 139.9
#2 AR 131.2
#3 AL 129.8
#4 IA 129.6
#5 MS 126.3
Bottom 5 Least Affordable
#47 RI 90.6
#48 NY 89.3
#49 OR 89.2
#50 MA 87.2
#51 CA ◀ 81.5

View full 51-state rankings →

California MBR-HAI — 90-Day Trend

California
National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — California

$734,700
Median Home Value
U.S. median: varies by state
$99,122
Median Household Income
U.S. median: $80,734
7.4x
Price-to-Income Ratio
Home value ÷ income
$2,221/mo
Median Owner Costs
26.9% of income annually
$5,839/yr
Median Property Tax
0.79% effective rate
55.3%
Homeownership Rate
U.S. average: 65.7%
38.0%
Owner Cost Burden
% spending 30%+ of income on housing
6.609%
30-yr Mortgage Rate
State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How California Ranks Among All States

#51
of 51 states
Least Affordable Most Affordable
California is more affordable than 0% of U.S. states — Moderately Less Affordable
81.5
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 47 states →
48 New York 89.3 Moderately Less Affordable
49 Oregon 89.2 Moderately Less Affordable
50 Massachusetts 87.2 Moderately Less Affordable
51 California You are here 81.5 Moderately Less Affordable

Showing states ranked near California — April 10, 2026 • View complete national rankings →

Download California HAI Data

California History (CSV)
Daily score vs. national • all dates
date,state,hai_score,national_score,rate_used
2026-04-11,CA,81.5,100.6,6.609
Download CA History (CSV)
All 51 States (CSV)
Compare California to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings
See how California ranks among all 51 states and the national average.
HAI Methodology
How the 10-component formula is computed, data sources, and score interpretation.
California Mortgage Rates
Live 30-year and 15-year rates from banks and credit unions in California.