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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

Loyalton, CA Housing Affordability Index

Loyalton, California has an MBR Housing Affordability Index score of 119.2 (More Affordable Than Average) as of October 30, 2026, ranking 28th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $191,800 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $1,047, or 19% of the city’s $65,556 median household income.

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

Loyalton MBR-HAI 119.2 More Affordable Than Average
Rank in California 28 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 $191,800 U.S. Census Bureau

Loyalton is 51.7 points above the California score. Scores as of October 30, 2026. See the California index

View Loyalton Mortgage Rates

What It Takes to Buy in Loyalton

$1,047/mo
Principal & Interest
Median home, 20% down, 7.25%
$44,900
Income Needed
To keep the payment at 28% of income
$65,556
Median Household Income
California: $99,122
2.9x
Price-to-Income Ratio
California: 7.4x
$1,096/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,913/yr
Median Property Tax
1.00% of median value
24.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Loyalton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Loyalton, California score: 119.2 (More Affordable Than Average), ranked 28 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/loyalton”