加利福尼亚州房地产经纪人协会第三季度报告称19%家庭可负担89.463万美元中位房价，与上季持平、所需年收入22.8万美元
加利福尼亚州洛杉矶 — 加利福尼亚州房地产经纪人协会10月30日发布2026年第三季度住房负担能力报告称，全州有19%的家庭能够负担89.463万美元的中位价现房独栋住宅，与2026年第二季度及2025年第三季度的19%持平。本稿为季度数据报道，报告期为2026年第三季度，非当日市场行情。
按协会传统住房负担能力指数，购买该中位价住宅所需的最低年收入为228,000美元，与上季持平、比一年前高4,400美元，估算月供为5,700美元，计算假设为两成首付与30年期固定利率抵押贷款。
房价方面，全州现房独栋中位价第三季度为894,630美元，比第二季度的915,590美元下降2.3%，但比一年前高0.7%。公寓与联排住宅中位价为640,000美元，环比下降4.5%、同比下降1.5%，可负担该类住宅的家庭占比为31%，高于上季与一年前的30%。
利率方面，第三季度30年期固定抵押贷款有效利率升至6.80%，高于第二季度的6.54%与一年前的6.67%，为2025年第二季度以来最高，且为连续第二个季度上升。
California Association of Realtors Third-Quarter Report Puts Affordability at 19 Percent for the $894,630 Median Home, Unchanged From the Prior Quarter, With a $228,000 Income Needed
Los Angeles, California — The California Association of Realtors, in its third-quarter 2026 housing affordability report released on October 30, said 19 percent of California households could afford the $894,630 median-priced existing single-family home, unchanged from both the second quarter of 2026 and the third quarter of 2025. This report covers quarterly data for the third quarter of 2026, not a same-day market move.
Under the association's Traditional Housing Affordability Index, the minimum annual income needed to buy that median-priced home was $228,000, unchanged from the previous quarter and $4,400 higher than a year earlier, with estimated monthly payments of $5,700, assuming a 20 percent down payment and a 30-year fixed-rate mortgage.
On prices, the statewide median for an existing single-family home was $894,630 in the third quarter, down 2.3 percent from $915,590 in the second quarter but 0.7 percent above its year-ago level. The median condo and townhome price was $640,000, down 4.5 percent from the previous quarter and 1.5 percent from a year ago, and 31 percent of households could afford that category, up from 30 percent in both the previous quarter and a year ago.
On rates, the effective 30-year fixed mortgage rate rose to 6.80 percent in the third quarter, up from 6.54 percent in the second quarter and 6.67 percent a year earlier, its highest level since the second quarter of 2025 and a second consecutive quarterly increase.
发布：GSM·美国（发布链接）
图片来源：Wikipedia/Wikimedia Commons 词条主图：California Teachers Association
GSM Global · 本篇英文版 English edition of this story
