Department of Numbers

Yuba City, California Home Affordability

The data below measures home affordability for the Yuba City, California metropolitan area using price-to-income and price-to-rent metrics.1 The maximum affordable loan amount for the median household income is also calculated. You can also compare Yuba City home affordability to other cities.

Yuba City, California Home Price-to-Income Ratios

The second chart shows a history of the ratio as an index calculated from the Federal Housing Finance Agency's Yuba City HPI series. Median household income data for Yuba City is from the Census American Community Survey.

Price-to-Income Index Ratio: FHFA

Note: Index set to 100 in Q1 of 2000

Yuba City, California Home Price-to-Income Ratio History

Date FHFA (Index Ratio)
December 2011 94.7
September 2011 93.0
June 2011 95.3
March 2011 100.2
December 2010 106.1
September 2010 105.9
June 2010 106.3
March 2010 105.9
December 2009 107.0

Yuba City, California Home Price-to-Rent Ratios

The chart below shows an index of the rent ratio calculated from the metro FHFA HPI series and the Yuba City median contract rent data from the Census ACS.

Price-to-Rent Index Ratio: FHFA

Note: Index set to 100 in Q1 of 2000

Yuba City, California Home Price-to-Rent Ratio History

Date FHFA (Index Ratio)
December 2011 73.9
September 2011 72.6
June 2011 74.4
March 2011 78.3
December 2010 82.8
September 2010 82.7
June 2010 83.0
March 2010 82.7
December 2009 87.1

Yuba City, California Inferred Affordable Mortgage

The inferred affordable mortgage value is determined by taking the median household income for Yuba City, California and calculating the mortgage 30% of that income could afford. Traditionally, 30% of income is the maximum amount a homeowner could use towards a home loan. Inferred affordable loan values are calculated from ACS median household income and average monthly mortgage rates.

Inferred Affordable Mortgage

Yuba City, California Inferred Affordable Mortgage History

Date Inferred Mortgage
January 2012 $244,884
December 2011 $243,700
November 2011 $242,817
October 2011 $240,487
September 2011 $239,334
August 2011 $234,804
July 2011 $227,180
June 2011 $228,246
May 2011 $224,808
April 2011 $219,670
March 2011 $219,670
February 2011 $216,919
January 2011 $221,704

1. Specifically, home prices are from the non seasonally adjusted FHFA all-transactions quarterly series. Dollar ratios are calculated using NAR metro prices when available. Rent and income data are from the Census ACS and are carried forward into the following year prior to release of the new data. ↩

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