Modest home price and interest rate increases resulted in a slight drop in nationwide housing affordability in the third quarter of 2015, according to the National Association of Home Builders/Wells Fargo Housing Opportunity Index (HOI).

In all, 62.2 percent of new and existing homes sold between the beginning of July and end of September were affordable to families earning the U.S. median income of $65,800. This is down from the 63.2 percent of homes sold that were affordable to median-income earners in the second quarter.

The national median home price increased slightly from $230,000 in the second quarter to $231,000 in the third quarter. Meanwhile, average mortgage rates edged higher from 3.99 percent to 4.18 percent in the same period.

Syracuse, N.Y. was rated the nation’s most affordable major housing market, switching places with Youngstown-Warren-Boardman, Ohio-Pa. , which fell to the second slot on the list. In Syracuse, 91.7 percent of all new and existing homes sold in this year’s third quarter were affordable to families earning the area’s median income of $68,500.

Meanwhile, Glens Falls, N.Y. claimed the title of most affordable small housing market in this year’s third quarter. There, 92.6 percent of homes sold during the second quarter were affordable to families earning the area’s median income of $65,400.

For the12th consecutive quarter, San Francisco-San Mateo-Redwood City, Calif. was the nation’s least affordable major housing market. There, just 10.5 percent of homes sold in the third quarter were affordable to families earning the area’s median income of $103,400.

All five least affordable small housing markets were also in California. At the very bottom of the affordability chart was Santa Cruz-Watsonville, Calif., where 16.5 percent of all new and existing homes sold were affordable to families earning the area’s median income of $87,000.

Visit www.nahb.org/hoi for tables, historic data and details.