MonitorBankRates
☰
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

Twentynine Palms, CA Housing Affordability Index

Twentynine Palms, California has an MBR Housing Affordability Index score of 99.3 (Near National Average) as of October 30, 2026, ranking 90th most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $268,200 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $1,464, or 28% of the city’s $62,554 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Twentynine Palms 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.

Twentynine Palms MBR-HAI 99.3 Near National Average
Rank in California 90 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 $268,200 U.S. Census Bureau

Twentynine Palms is 31.8 points above the California score. Scores as of October 30, 2026. See the California index

View Twentynine Palms Mortgage Rates

What It Takes to Buy in Twentynine Palms

$1,464/mo
Principal & Interest
Median home, 20% down, 7.25%
$62,700
Income Needed
To keep the payment at 28% of income
$62,554
Median Household Income
California: $99,122
4.3x
Price-to-Income Ratio
California: 7.4x
$1,082/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,831/yr
Median Property Tax
0.68% of median value
29.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Twentynine Palms Ranks in California

Cities with similar scores
#87Anza99.4 #88Igo99.4 #89Farmersville99.3
#90Twentynine Palms99.3
#91Lost Hills99.2 #92Glen Ellen98.8 #93Sutter98.6
Powered byMonitorBankRates

Cite the Twentynine Palms Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Twentynine Palms, California score: 99.3 (Near National Average), ranked 90 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/twentynine-palms”