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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

Guinda, CA Housing Affordability Index

Guinda, California has an MBR Housing Affordability Index score of 91.2 (Near National Average) as of October 30, 2026, ranking 143rd most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $1,057,500 home with 20% down, a jumbo loan at 7.50% means a monthly principal and interest payment of about $5,915, or 39% of the city’s $180,515 median household income.

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

Guinda MBR-HAI 91.2 Near National Average
Rank in California 143 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 $1,057,500 U.S. Census Bureau

Guinda is 23.7 points above the California score. Scores as of October 30, 2026. See the California index

View Guinda Mortgage Rates

What It Takes to Buy in Guinda

$5,915/mo
Principal & Interest
Median home, 20% down, 7.50% jumbo
$253,500
Income Needed
To keep the payment at 28% of income
$180,515
Median Household Income
California: $99,122
5.9x
Price-to-Income Ratio
California: 7.4x
$1,331/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
53.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Guinda, California score: 91.2 (Near National Average), ranked 143 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/guinda”