California homebuyers need an annual income of about $89,000 to qualify for the purchase of a median-priced single family home of $431,510 as of the fourth quarter of 2013, according to the California Association of Realtors.

Using that measure, and other data, CAR estimates the median-priced house is affordable to just 32 percent of the state’s residents. That’s the same as it was in the third quarter, but down from 48 percent being able to afford the median price as of the fourth quarter of 2012.

But in San Diego, the median -riced house is nearly $477,000 so it’s affordable to only 28 percent of the population, CAR said.

To qualify for a median-priced house in the county requires an annual household income of $98,610, to come up with an estimated monthly payment, including taxes and insurance, of $2,470, CAR said.

The Inland Empire median-priced house of $264,000 is still affordable to 49 percent of those counties’ residents.

The least affordable counties in the state are San Francisco and San Mateo at 16 percent, while the most affordable county to buy was Madera where 67 percent of residents can afford the median-priced house of $157,000.