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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

Joshua Tree, CA Housing Affordability Index

Joshua Tree, California has an MBR Housing Affordability Index score of 93.2 (Near National Average) as of October 30, 2026, ranking 128th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $334,200 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $1,824, or 33% of the city’s $66,291 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Joshua Tree 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.

Joshua Tree MBR-HAI 93.2 Near National Average
Rank in California 128 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 $334,200 U.S. Census Bureau

Joshua Tree is 25.7 points above the California score. Scores as of October 30, 2026. See the California index

View Joshua Tree Mortgage Rates

What It Takes to Buy in Joshua Tree

$1,824/mo
Principal & Interest
Median home, 20% down, 7.25%
$78,200
Income Needed
To keep the payment at 28% of income
$66,291
Median Household Income
California: $99,122
5.0x
Price-to-Income Ratio
California: 7.4x
$929/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,016/yr
Median Property Tax
0.60% of median value
32.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
59.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Joshua Tree Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Joshua Tree, California score: 93.2 (Near National Average), ranked 128 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/joshua-tree”