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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 Segundo, CA Housing Affordability Index

El Segundo, California has an MBR Housing Affordability Index score of 59.6 (Significantly Less Affordable) as of October 30, 2026, ranking 735th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $1,587,500 home with 20% down, a jumbo loan at 7.50% means a monthly principal and interest payment of about $8,880, or 71% of the city’s $150,737 median household income.

The MBR Housing Affordability Index (MBR-HAI) for El Segundo 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 Segundo MBR-HAI 59.6 Significantly Less Affordable
Rank in California 735 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 $1,587,500 U.S. Census Bureau

El Segundo is 8.0 points below the California score. Scores as of October 30, 2026. See the California index

View El Segundo Mortgage Rates

What It Takes to Buy in El Segundo

$8,880/mo
Principal & Interest
Median home, 20% down, 7.50% jumbo
$380,600
Income Needed
To keep the payment at 28% of income
$150,737
Median Household Income
California: $99,122
10.5x
Price-to-Income Ratio
California: 7.4x
$3,403/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$9,629/yr
Median Property Tax
0.61% of median value
38.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
34.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. El Segundo, California score: 59.6 (Significantly Less Affordable), ranked 735 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/el-segundo”