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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Eufaula, AL Housing Affordability Index

Eufaula, Alabama has an MBR Housing Affordability Index score of 144.4 (Highly Affordable) as of October 30, 2026, ranking 302nd most affordable of 446 scored Alabama cities, compared with 134.1 statewide and 97.4 nationally. On a median-priced $139,900 home with 20% down, the Alabama average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $759, or 19% of the city’s $47,392 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Eufaula is updated every night from live Alabama mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Eufaula MBR-HAI 144.4 Highly Affordable
Rank in Alabama 302 of 446 1 = most affordable
Alabama 134.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.19% Alabama lenders
Median home value $139,900 U.S. Census Bureau

Eufaula is 10.4 points above the Alabama score. Scores as of October 30, 2026. See the Alabama index

View Eufaula Mortgage Rates

What It Takes to Buy in Eufaula

$759/mo
Principal & Interest
Median home, 20% down, 7.19%
$32,500
Income Needed
To keep the payment at 28% of income
$47,392
Median Household Income
Alabama: $63,999
3.0x
Price-to-Income Ratio
Alabama: 3.3x
$749/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$769/yr
Median Property Tax
0.55% of median value
32.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
31.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Eufaula, Alabama. The rate is the Alabama average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Eufaula Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Eufaula, Alabama score: 144.4 (Highly Affordable), ranked 302 of 446 Alabama cities. monitorbankrates.com/housing-affordability-index/alabama/eufaula”