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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

Bodega Bay, CA Housing Affordability Index

Bodega Bay, California has an MBR Housing Affordability Index score of 79.3 (Moderately Less Affordable) as of October 30, 2026, ranking 315th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $1,294,900 home with 20% down, a jumbo loan at 7.50% means a monthly principal and interest payment of about $7,243, or 48% of the city’s $182,898 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bodega Bay 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.

Bodega Bay MBR-HAI 79.3 Moderately Less Affordable
Rank in California 315 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 $1,294,900 U.S. Census Bureau

Bodega Bay is 11.8 points above the California score. Scores as of October 30, 2026. See the California index

View Bodega Bay Mortgage Rates

What It Takes to Buy in Bodega Bay

$7,243/mo
Principal & Interest
Median home, 20% down, 7.50% jumbo
$310,400
Income Needed
To keep the payment at 28% of income
$182,898
Median Household Income
California: $99,122
7.1x
Price-to-Income Ratio
California: 7.4x
$3,337/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$9,073/yr
Median Property Tax
0.70% of median value
57.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
13.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bodega Bay, 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 Bodega Bay Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bodega Bay, California score: 79.3 (Moderately Less Affordable), ranked 315 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/bodega-bay”