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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

San Clemente, CA Housing Affordability Index

San Clemente, California has an MBR Housing Affordability Index score of 58.5 (Significantly Less Affordable) as of October 30, 2026, ranking 751st most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $1,398,400 home with 20% down, a jumbo loan at 7.50% means a monthly principal and interest payment of about $7,822, or 67% of the city’s $140,062 median household income.

The MBR Housing Affordability Index (MBR-HAI) for San Clemente 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.

San Clemente MBR-HAI 58.5 Significantly Less Affordable
Rank in California 751 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 $1,398,400 U.S. Census Bureau

San Clemente is 9.0 points below the California score. Scores as of October 30, 2026. See the California index

View San Clemente Mortgage Rates

What It Takes to Buy in San Clemente

$7,822/mo
Principal & Interest
Median home, 20% down, 7.50% jumbo
$335,200
Income Needed
To keep the payment at 28% of income
$140,062
Median Household Income
California: $99,122
10.0x
Price-to-Income Ratio
California: 7.4x
$3,219/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$8,758/yr
Median Property Tax
0.63% of median value
36.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for San Clemente, California. The rate is the California average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the San Clemente Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. San Clemente, California score: 58.5 (Significantly Less Affordable), ranked 751 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/san-clemente”