LOS ANGELES -- Significantly higher home prices, particularly in the San Francisco Bay Area and coastal regions, shut out more homebuyers in the state during the second quarter of 2013, the California Association of Realtors (C.A.R.) reported.

In San Diego County, 32 percent of homebuyers had the minimum qualifying income of $90,150 needed to afford the $2,250 monthly payment including taxes and insurance (PITI) for the $469,040 median-priced home. The qualifying index was down from 38 percent in the first quarter and 44 percent a year ago.

The percentage of California homebuyers who could afford to purchase a median-priced, existing single-family home in California dropped to 36 percent in the second quarter of 2013, down from 44 percent in first-quarter 2013 and from 51 percent in second-quarter 2012, according to C.A.R.ís Traditional Housing Affordability Index (HAI). The second quarter 2013 figure fell below 40 percent for the first time since the third quarter of 2008.

Homebuyers needed to earn a minimum annual income of $79,910 to qualify for the purchase of a $415,770 statewide median-priced, existing single-family home in the second quarter of 2013.

The monthly payment, including taxes and insurance on a 30-year fixed-rate loan, would be $2,000, assuming a 20 percent down payment and an effective composite interest rate of 3.64 percent.

The effective composite interest rate in first-quarter 2013 was 3.55 percent and 2.82 percent in the second quarter of 2012.

The median home price was $316,490 in second-quarter 2012, and an annual income of $62,440 was needed to purchase a home at that price.

Nearly all regions of the state experienced sharp quarter-over-quarter declines in housing affordability, with Bay Area and coastal regions recording the greatest decreases in the index due to significantly higher home prices.

At an index of 71 percent, Madera County was the most affordable county in the state, while San Francisco and San Mateo counties tied for the least affordable at 17 percent.

In the Inland Empire, 56 percent of homebuyers had the requisite income of $46,060 to cover the monthly PITI of $1,150 to afford a median-priced home of $239,640. In the first quarter of 2013, the affordable index was 61 percent, and 70 percent a year ago.

For the Inland Empire county of San Bernardino, affordability was 69 percent in the second quarter, down from 72 in the first and 78 a year. The minimum qualifying annual income needed San Bernardino was $32,630 to cover a monthly PITI of $820 on a median-priced home of $169,760.

For Riverside, the other Inland Empire county, the housing affordability index was 49 percent in the second quarter, down from 54 in the first and 65 a year ago. Riverside homebuyers needed a minimum qualifying income of $54,780 to cover a PITI of $1,370 on a median-priced home of $285,020.