Within the Bay Area, prices and appreciation rates vary widely between counties, cities, neighborhoods, property types and price segments. This is a broad overview of hundreds of different markets. Short-term fluctuations are common and much less meaningful than long-term trends.The CA Association of Realtors Housing Affordability Index estimates the percentage of households.

The CA Association of Realtors Housing Affordability Index estimates the percentage of households who can afford to buy a median priced HOUSE with a 20% down-payment, at prevailing fixed 30-
year interest rates, with associated housing expenses such at taxes and insurance. Counties contain
cities, and cities contain neighborhoods of widely varying values, market conditions and affluence.