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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 Joaquin, CA Housing Affordability Index

San Joaquin, California has an MBR Housing Affordability Index score of 78.9 (Moderately Less Affordable) as of October 30, 2026, ranking 320th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $266,300 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $1,453, or 41% of the city’s $43,011 median household income.

The MBR Housing Affordability Index (MBR-HAI) for San Joaquin 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 Joaquin MBR-HAI 78.9 Moderately Less Affordable
Rank in California 320 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 $266,300 U.S. Census Bureau

San Joaquin is 11.4 points above the California score. Scores as of October 30, 2026. See the California index

View San Joaquin Mortgage Rates

What It Takes to Buy in San Joaquin

$1,453/mo
Principal & Interest
Median home, 20% down, 7.25%
$62,300
Income Needed
To keep the payment at 28% of income
$43,011
Median Household Income
California: $99,122
6.2x
Price-to-Income Ratio
California: 7.4x
$1,115/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,138/yr
Median Property Tax
0.80% of median value
71.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
38.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the San Joaquin Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. San Joaquin, California score: 78.9 (Moderately Less Affordable), ranked 320 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/san-joaquin”