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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

Encinitas, CA Housing Affordability Index

Encinitas, California has an MBR Housing Affordability Index score of 62.6 (Significantly Less Affordable) as of October 30, 2026, ranking 681st most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $1,646,800 home with 20% down, a jumbo loan at 7.50% means a monthly principal and interest payment of about $9,212, or 68% of the city’s $162,229 median household income.

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

Encinitas MBR-HAI 62.6 Significantly Less Affordable
Rank in California 681 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 $1,646,800 U.S. Census Bureau

Encinitas is 4.9 points below the California score. Scores as of October 30, 2026. See the California index

View Encinitas Mortgage Rates

What It Takes to Buy in Encinitas

$9,212/mo
Principal & Interest
Median home, 20% down, 7.50% jumbo
$394,800
Income Needed
To keep the payment at 28% of income
$162,229
Median Household Income
California: $99,122
10.2x
Price-to-Income Ratio
California: 7.4x
$2,951/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,839/yr
Median Property Tax
California figure
34.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Encinitas, California score: 62.6 (Significantly Less Affordable), ranked 681 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/encinitas”