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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

El Portal, CA Housing Affordability Index

El Portal, California has an MBR Housing Affordability Index score of 96.5 (Near National Average) as of October 30, 2026, ranking 108th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $247,800 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $1,352, or 29% of the city’s $55,847 median household income.

The MBR Housing Affordability Index (MBR-HAI) for El Portal 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.

El Portal MBR-HAI 96.5 Near National Average
Rank in California 108 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 $247,800 U.S. Census Bureau

El Portal is 29.0 points above the California score. Scores as of October 30, 2026. See the California index

View El Portal Mortgage Rates

What It Takes to Buy in El Portal

$1,352/mo
Principal & Interest
Median home, 20% down, 7.25%
$58,000
Income Needed
To keep the payment at 28% of income
$55,847
Median Household Income
California: $99,122
4.4x
Price-to-Income Ratio
California: 7.4x
$767/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,839/yr
Median Property Tax
California figure
38.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
20.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the El Portal Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. El Portal, California score: 96.5 (Near National Average), ranked 108 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/el-portal”