The percentage of households in California able to afford a median-priced home stood at 14% in November, compared with 19% for the same period a year ago, according to a report released by the California Association of Realtors.

C.A.R.’s monthly housing affordability index measures the percentage of households that can afford to purchase a median-priced home in California. The Index is the most fundamental measure of housing well-being in the state.

The minimum household income needed to purchase a median-priced home at $548,400 in California in November was $133,390, based on an average effective mortgage interest rate of 6.26% and assuming a 20% downpayment.

At 24%, the High Desert region was the most affordable C.A.R. region in the state, followed by the Sacramento region at 19%. The Northern Wine Country, San Luis Obispo and Santa Barbara regions were the least affordable in the state at 7%.