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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

Rail Road Flat, CA Housing Affordability Index

Rail Road Flat, California has an MBR Housing Affordability Index score of 89.5 (Moderately Less Affordable) as of October 30, 2026, ranking 152nd most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $426,100 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $2,325, or 32% of the city’s $87,951 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Rail Road Flat 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.

Rail Road Flat MBR-HAI 89.5 Moderately Less Affordable
Rank in California 152 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 $426,100 U.S. Census Bureau

Rail Road Flat is 22.0 points above the California score. Scores as of October 30, 2026. See the California index

View Rail Road Flat Mortgage Rates

What It Takes to Buy in Rail Road Flat

$2,325/mo
Principal & Interest
Median home, 20% down, 7.25%
$99,700
Income Needed
To keep the payment at 28% of income
$87,951
Median Household Income
California: $99,122
4.8x
Price-to-Income Ratio
California: 7.4x
$2,007/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,480/yr
Median Property Tax
0.58% of median value
40.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
30.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Rail Road Flat Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Rail Road Flat, California score: 89.5 (Moderately Less Affordable), ranked 152 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/rail-road-flat”