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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

Oneonta, AL Housing Affordability Index

Oneonta, Alabama has an MBR Housing Affordability Index score of 117.6 (More Affordable Than Average) as of October 30, 2026, ranking 417th most affordable of 446 scored Alabama cities, compared with 134.1 statewide and 97.4 nationally. On a median-priced $221,000 home with 20% down, the Alabama average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $1,199, or 27% of the city’s $53,980 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Oneonta 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.

Oneonta MBR-HAI 117.6 More Affordable Than Average
Rank in Alabama 417 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 $221,000 U.S. Census Bureau

Oneonta is 16.5 points below the Alabama score. Scores as of October 30, 2026. See the Alabama index

View Oneonta Mortgage Rates

What It Takes to Buy in Oneonta

$1,199/mo
Principal & Interest
Median home, 20% down, 7.19%
$51,400
Income Needed
To keep the payment at 28% of income
$53,980
Median Household Income
Alabama: $63,999
4.1x
Price-to-Income Ratio
Alabama: 3.3x
$903/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,243/yr
Median Property Tax
0.56% of median value
13.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Oneonta Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Oneonta, Alabama score: 117.6 (More Affordable Than Average), ranked 417 of 446 Alabama cities. monitorbankrates.com/housing-affordability-index/alabama/oneonta”