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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

Inverness, CA Housing Affordability Index

Inverness, California has an MBR Housing Affordability Index score of 48.4 (Least Affordable) as of October 30, 2026, ranking 784th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $1,872,700 home with 20% down, a jumbo loan at 7.50% means a monthly principal and interest payment of about $10,475, or 157% of the city’s $80,176 median household income.

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

Inverness MBR-HAI 48.4 Least Affordable
Rank in California 784 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 $1,872,700 U.S. Census Bureau

Inverness is 19.1 points below the California score. Scores as of October 30, 2026. See the California index

View Inverness Mortgage Rates

What It Takes to Buy in Inverness

$10,475/mo
Principal & Interest
Median home, 20% down, 7.50% jumbo
$448,900
Income Needed
To keep the payment at 28% of income
$80,176
Median Household Income
California: $99,122
23.4x
Price-to-Income Ratio
California: 7.4x
$1,718/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,839/yr
Median Property Tax
California figure
48.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
72.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Inverness Ranks in California

Cities with similar scores
#781Santa Monica52.2 #782Santa Barbara51.5 #783Bodega51.2
#784Inverness48.4
#785Port Costa46.8
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Cite the Inverness Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Inverness, California score: 48.4 (Least Affordable), ranked 784 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/inverness”