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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Avila Beach, CA Housing Affordability Index

Avila Beach, California has an MBR Housing Affordability Index score of 75.7 (Moderately Less Affordable) as of October 30, 2026, ranking 376th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $1,243,300 home with 20% down, a jumbo loan at 7.50% means a monthly principal and interest payment of about $6,955, or 38% of the city’s $218,259 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Avila Beach is updated every night from live California mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Avila Beach MBR-HAI 75.7 Moderately Less Affordable
Rank in California 376 of 785 1 = most affordable
California 67.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.25% California lenders
Median home value $1,243,300 U.S. Census Bureau

Avila Beach is 8.2 points above the California score. Scores as of October 30, 2026. See the California index

View Avila Beach Mortgage Rates

What It Takes to Buy in Avila Beach

$6,955/mo
Principal & Interest
Median home, 20% down, 7.50% jumbo
$298,100
Income Needed
To keep the payment at 28% of income
$218,259
Median Household Income
California: $99,122
5.7x
Price-to-Income Ratio
California: 7.4x
$4,181/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,839/yr
Median Property Tax
California figure
26.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
62.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Avila Beach, California. The rate is the California average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Avila Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Avila Beach, California score: 75.7 (Moderately Less Affordable), ranked 376 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/avila-beach”