January 2026 monthly avg: bottom $519,750; starter $950,059; mid $1,594,962.
San Jose high tier $2,674,172; luxury $5,630,424; median household income $177,074.
Nationwide January 2026: bottom $125,384; starter $260,000; mid $375,000.
Nationwide high $581,000; luxury $1,341,493; median household income $87,934.
Affordability may improve in 2026 and beyond, after 2025 record highs and mortgage rates far above pandemic-era lows.