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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

Cloverdale, CA Housing Affordability Index

Cloverdale, California has an MBR Housing Affordability Index score of 80.7 (Moderately Less Affordable) as of October 30, 2026, ranking 284th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $619,400 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $3,380, or 35% of the city’s $117,177 median household income.

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

Cloverdale MBR-HAI 80.7 Moderately Less Affordable
Rank in California 284 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 $619,400 U.S. Census Bureau

Cloverdale is 13.2 points above the California score. Scores as of October 30, 2026. See the California index

View Cloverdale Mortgage Rates

What It Takes to Buy in Cloverdale

$3,380/mo
Principal & Interest
Median home, 20% down, 7.25%
$144,900
Income Needed
To keep the payment at 28% of income
$117,177
Median Household Income
California: $99,122
5.3x
Price-to-Income Ratio
California: 7.4x
$2,431/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,031/yr
Median Property Tax
0.81% of median value
35.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
37.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Cloverdale Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cloverdale, California score: 80.7 (Moderately Less Affordable), ranked 284 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/cloverdale”