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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

Los Angeles, CA Housing Affordability Index

Los Angeles, California has an MBR Housing Affordability Index score of 54.6 (Significantly Less Affordable) as of October 30, 2026, ranking 775th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $921,200 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $5,027, or 74% of the city’s $81,939 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Los Angeles 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.

Los Angeles MBR-HAI 54.6 Significantly Less Affordable
Rank in California 775 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 $921,200 U.S. Census Bureau

Los Angeles is 12.9 points below the California score. Scores as of October 30, 2026. See the California index

View Los Angeles Mortgage Rates

What It Takes to Buy in Los Angeles

$5,027/mo
Principal & Interest
Median home, 20% down, 7.25%
$215,500
Income Needed
To keep the payment at 28% of income
$81,939
Median Household Income
California: $99,122
11.2x
Price-to-Income Ratio
California: 7.4x
$2,778/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,793/yr
Median Property Tax
0.74% of median value
46.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
56.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Los Angeles Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Los Angeles, California score: 54.6 (Significantly Less Affordable), ranked 775 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/los-angeles”