Facebook
X
Pinterest
Copy Link
Here is the takeaway from the article:
More Californians can purchase a home in third-quarter 2025, compared to previous quarter and a year ago, C.A.R. reports
- Seventeen percent of California households could afford to purchase the $887,380 median-priced home in the third quarter of 2025, up from 15 percent in second-quarter 2025 and up from 16 percent in third-quarter 2024.
- A minimum annual income of $223,600 was needed to make monthly payments of $5,590, including principal, interest, taxes and insurance on a 30-year fixed-rate mortgage at a 6.67 percent interest rate.
- Twenty-seven percent of home buyers were able to purchase the $649,990 median-priced condo or townhome. A minimum annual income of $163,600 was required to make a monthly payment of $4,090.
Now, this isn’t an exact reflection of our local market. However, it does demonstrate that our market has a larger pool of buyers. With a larger pool of buyers we should have corresponding growing demand. The growth in Orange County was marginal, but it is still positive for our path moving forward.
| Qtr. 3 2025 | C.A.R. Traditional Housing Affordability Index | |||||||
| STATE/REGION/COUNTY | Qtr. 3
2025 |
Qtr. 2 2025 | Qtr. 3 2024 | Median Home Price | Monthly Payment Including Taxes & Insurance | Minimum Qualifying Income | ||
| Calif. Single-family home | 17 | 15 | 16 | $887,380 | $5,590 | $223,600 | ||
| Calif. Condo/Townhome | 27 | 25 | 25 | $649,990 | $4,090 | $163,600 | ||
| Los Angeles Metro Area | 16 | 14 | 15 | $837,060 | $5,270 | $210,800 | ||
| Inland Empire | 23 | 21 | 22 | $595,000 | $3,750 | $150,000 | ||
| San Francisco Bay Area | 22 | 20 | 21 | $1,295,000 | $8,150 | $326,000 | ||
| United States | 36 | 35 | r | 35 | $426,800 | $2,690 | $107,600 | |
| San Francisco Bay Area | ||||||||
| Alameda | 21 | 19 | 18 | $1,250,000 | $7,870 | $314,800 | ||
| Contra Costa | 26 | 23 | 25 | $860,000 | $5,420 | $216,800 | ||
| Marin | 22 | 19 | 20 | $1,612,500 | $10,150 | $406,000 | ||
| Napa | 16 | 15 | 15 | $940,000 | $5,920 | $236,800 | ||
| San Francisco | 22 | 19 | 21 | $1,626,500 | $10,240 | $409,600 | ||
| San Mateo | 18 | 16 | 17 | $2,080,000 | $13,100 | $524,000 | ||
| Santa Clara | 19 | 17 | 19 | $1,915,000 | $12,060 | $482,400 | ||
| Solano | 26 | 27 | 26 | $606,000 | $3,820 | $152,800 | ||
| Sonoma | 19 | 17 | 18 | $825,780 | $5,200 | $208,000 | ||
| Southern California | ||||||||
| Imperial | 26 | 27 | 28 | $418,500 | $2,640 | $105,600 | ||
| Los Angeles | 12 | 13 | 11 | $954,130 | $6,010 | $240,400 | ||
| Orange | 13 | 12 | 12 | $1,400,000 | $8,820 | $352,800 | ||
| Riverside | 23 | 21 | 21 | $625,000 | $3,940 | $157,600 | ||
| San Bernardino | 29 | 29 | 29 | r | $497,800 | $3,130 | $125,200 | |
| San Diego | 13 | 13 | 12 | $1,009,500 | $6,360 | $254,400 | ||
| Ventura | 16 | 14 | 13 | $926,000 | $5,830 | $233,200 | ||
| Central Coast | ||||||||
| Monterey | 9 | 10 | 10 | $1,001,500 | $6,310 | $252,400 | ||
| San Luis Obispo | 13 | 12 | 11 | $929,350 | $5,850 | $234,000 | ||
| Santa Barbara | 12 | 10 | 13 | $1,220,000 | $7,680 | $307,200 | ||
| Santa Cruz | 14 | 14 | 14 | $1,304,220 | $8,210 | $328,400 | ||
| Central Valley | ||||||||
| Fresno | 30 | 30 | 30 | $443,000 | $2,790 | $111,600 | ||
| Glenn | 37 | 39 | 40 | $365,500 | $2,300 | $92,000 | ||
| Kern | 31 | 30 | 30 | $400,000 | $2,520 | $100,800 | ||
| Kings | 34 | 34 | 33 | $377,000 | $2,370 | $94,800 | ||
| Madera | 32 | 31 | 31 | $446,750 | $2,810 | $112,400 | ||
| Merced | 27 | 26 | 27 | $427,250 | $2,690 | $107,600 | ||
| Placer | 31 | 30 | 30 | $675,000 | $4,250 | $170,000 | ||
| Sacramento | 28 | 27 | 26 | $550,000 | $3,460 | $138,400 | ||
| San Benito | 26 | 22 | 21 | $750,000 | $4,720 | $188,800 | ||
| San Joaquin | 29 | 26 | 25 | $545,000 | $3,430 | $137,200 | ||
| Stanislaus | 28 | 26 | 29 | $485,000 | $3,050 | $122,000 | ||
| Tulare | 33 | 30 | 31 | $380,000 | $2,390 | $95,600 | ||
| Far North | ||||||||
| Butte | 27 | 24 | 29 | $461,000 | $2,900 | $116,000 | ||
| Lassen | 52 | 46 | 52 | $257,500 | $1,620 | $64,800 | ||
| Plumas | 30 | 34 | 23 | $466,500 | $2,940 | $117,600 | ||
| Shasta | 35 | 33 | 34 | $375,000 | $2,360 | $94,400 | ||
| Siskiyou | 35 | 37 | 36 | $329,500 | $2,070 | $82,800 | ||
| Tehama | 35 | 29 | 38 | $341,500 | $2,150 | $86,000 | ||
| Trinity | 34 | 30 | 34 | $302,480 | $1,900 | $76,000 | ||
| Other Calif. Counties | ||||||||
| Amador | 36 | 35 | 38 | $437,500 | $2,750 | $110,000 | ||
| Calaveras | 34 | 33 | 31 | $472,000 | $2,970 | $118,800 | ||
| Del Norte | 34 | 29 | 28 | $384,000 | $2,420 | $96,800 | ||
| El Dorado | 29 | 27 | 27 | $690,000 | $4,340 | $173,600 | ||
| Humboldt | 25 | 23 | 23 | $446,620 | $2,810 | $112,400 | ||
| Lake | 29 | 34 | 35 | $358,250 | $2,260 | $90,400 | ||
| Mariposa | 29 | 26 | 27 | $425,000 | $2,680 | $107,200 | ||
| Mendocino | 26 | 20 | 18 | $470,000 | $2,960 | $118,400 | ||
| Mono | 7 | 8 | 7 | $1,079,000 | $6,790 | $271,600 | ||
| Nevada | 30 | 27 | 26 | $550,000 | $3,460 | $138,400 | ||
| Sutter | 28 | 27 | 28 | $455,000 | $2,860 | $114,400 | ||
| Tuolumne | 36 | 38 | 40 | $430,000 | $2,710 | $108,400 | ||
| Yolo | 25 | 22 | 24 | $620,000 | $3,900 | $156,000 | ||
| Yuba | 28 | 26 | 27 | $437,000 | $2,750 | $110,000 | ||
