MonitorBankRates
☰
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

Fort Dick, CA Housing Affordability Index

Fort Dick, California has an MBR Housing Affordability Index score of 92.2 (Near National Average) as of October 30, 2026, ranking 139th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $307,400 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $1,678, or 29% of the city’s $70,610 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fort Dick 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.

Fort Dick MBR-HAI 92.2 Near National Average
Rank in California 139 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 $307,400 U.S. Census Bureau

Fort Dick is 24.7 points above the California score. Scores as of October 30, 2026. See the California index

View Fort Dick Mortgage Rates

What It Takes to Buy in Fort Dick

$1,678/mo
Principal & Interest
Median home, 20% down, 7.25%
$71,900
Income Needed
To keep the payment at 28% of income
$70,610
Median Household Income
California: $99,122
4.4x
Price-to-Income Ratio
California: 7.4x
$1,029/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,830/yr
Median Property Tax
0.92% of median value
37.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fort Dick Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fort Dick, California score: 92.2 (Near National Average), ranked 139 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/fort-dick”