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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

Ballico, CA Housing Affordability Index

Ballico, California has an MBR Housing Affordability Index score of 114.4 (More Affordable Than Average) as of October 30, 2026, ranking 36th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $522,100 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $2,849, or 20% of the city’s $171,875 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Ballico 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.

Ballico MBR-HAI 114.4 More Affordable Than Average
Rank in California 36 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 $522,100 U.S. Census Bureau

Ballico is 46.9 points above the California score. Scores as of October 30, 2026. See the California index

View Ballico Mortgage Rates

What It Takes to Buy in Ballico

$2,849/mo
Principal & Interest
Median home, 20% down, 7.25%
$122,100
Income Needed
To keep the payment at 28% of income
$171,875
Median Household Income
California: $99,122
3.0x
Price-to-Income Ratio
California: 7.4x
$2,083/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,000/yr
Median Property Tax
0.77% of median value
18.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
86.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Ballico, California. The rate is the California average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Ballico Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Ballico, California score: 114.4 (More Affordable Than Average), ranked 36 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/ballico”