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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

Mountain Ranch, CA Housing Affordability Index

Mountain Ranch, California has an MBR Housing Affordability Index score of 148.2 (Highly Affordable) as of October 30, 2026, ranking 4th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $464,100 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $2,533, or 19% of the city’s $163,120 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Mountain Ranch 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.

Mountain Ranch MBR-HAI 148.2 Highly Affordable
Rank in California 4 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 $464,100 U.S. Census Bureau

Mountain Ranch is 80.7 points above the California score. Scores as of October 30, 2026. See the California index

View Mountain Ranch Mortgage Rates

What It Takes to Buy in Mountain Ranch

$2,533/mo
Principal & Interest
Median home, 20% down, 7.25%
$108,500
Income Needed
To keep the payment at 28% of income
$163,120
Median Household Income
California: $99,122
2.8x
Price-to-Income Ratio
California: 7.4x
$1,164/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,333/yr
Median Property Tax
0.29% of median value
18.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Mountain Ranch Ranks in California

Cities with similar scores
#1Eagleville254.6 #2Artois231.0 #3Pala156.6
#4Mountain Ranch148.2
#5Cutler145.6 #6Boron144.4 #7Happy Camp142.1
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Cite the Mountain Ranch Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Mountain Ranch, California score: 148.2 (Highly Affordable), ranked 4 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/mountain-ranch”