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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

Valley Center, CA Housing Affordability Index

Valley Center, California has an MBR Housing Affordability Index score of 78.9 (Moderately Less Affordable) as of October 30, 2026, ranking 321st most affordable of 785 scored California cities, compared with 67.5 statewide and 97.4 nationally. On a median-priced $883,700 home with 20% down, the California average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $4,823, or 44% of the city’s $132,361 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Valley Center 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.

Valley Center MBR-HAI 78.9 Moderately Less Affordable
Rank in California 321 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 $883,700 U.S. Census Bureau

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

View Valley Center Mortgage Rates

What It Takes to Buy in Valley Center

$4,823/mo
Principal & Interest
Median home, 20% down, 7.25%
$206,700
Income Needed
To keep the payment at 28% of income
$132,361
Median Household Income
California: $99,122
6.7x
Price-to-Income Ratio
California: 7.4x
$3,168/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$7,809/yr
Median Property Tax
0.88% of median value
53.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
14.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Valley Center Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Valley Center, California score: 78.9 (Moderately Less Affordable), ranked 321 of 785 California cities. monitorbankrates.com/housing-affordability-index/california/valley-center”