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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

Happy Camp, CA Housing Affordability Index

Happy Camp, California has an MBR Housing Affordability Index score of 142.1 (Highly Affordable) as of October 30, 2026, ranking 7th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $166,400 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $908, or 26% of the city’s $41,375 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Happy Camp 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.

Happy Camp MBR-HAI 142.1 Highly Affordable
Rank in California 7 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 $166,400 U.S. Census Bureau

Happy Camp is 74.6 points above the California score. Scores as of October 30, 2026. See the California index

View Happy Camp Mortgage Rates

What It Takes to Buy in Happy Camp

$908/mo
Principal & Interest
Median home, 20% down, 7.25%
$38,900
Income Needed
To keep the payment at 28% of income
$41,375
Median Household Income
California: $99,122
4.0x
Price-to-Income Ratio
California: 7.4x
$493/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$805/yr
Median Property Tax
0.48% of median value
8.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
26.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Happy Camp Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Happy Camp, California score: 142.1 (Highly Affordable), ranked 7 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/happy-camp”