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Despite quick homes sales and rising home prices, home affordability across the nation is also starting a trend of its own.

For the second consecutive month, national home affordability improved, a new report shows.

The numbers show that monthly mortgage payments dropped by a hair. Interest rates are also down, even lower than they were a year ago. Interest rates fell twice over the last couple of months, contributing to continued access to affordable home financing.

Using some general assumptions about buyers, the housing affordability index indicates whether family incomes can comfortably cover the price of a median-priced home. An index over 100 points means families enjoy affordability.

At last check, the monthly index was well below 2020 levels, which reached 165.8. In August, it was about 146.

Increased inventory is another positive factor driving today’s market.

If you have been thinking about finally buying, El Dorado Hills is what many Californians dream about.

State parks, wineries, incredible neighborhoods and schools, near skiing and water, there’s just about everything in El Dorado Hills.

Residents are a short drive away from downtown Sacramento, Folsom Lake and take in year-round events of all types, such as outdoor music festivals, art shows, wine fairs and other community-focused gatherings. There’s always something to do.

The breathtaking views of the Sierra Nevada Mountains and the Sacramento Valley are two other perks.

So if you want to join an active community with plenty of room to explore, learn, live and play, then El Dorado Hills should definitely be high on the list of places to call home.