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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

Owens Cross Roads, AL Housing Affordability Index

Owens Cross Roads, Alabama has an MBR Housing Affordability Index score of 147.2 (Highly Affordable) as of October 30, 2026, ranking 290th most affordable of 446 scored Alabama cities, compared with 134.1 statewide and 97.4 nationally. On a median-priced $227,000 home with 20% down, the Alabama average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $1,231, or 17% of the city’s $86,188 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Owens Cross Roads 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.

Owens Cross Roads MBR-HAI 147.2 Highly Affordable
Rank in Alabama 290 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 $227,000 U.S. Census Bureau

Owens Cross Roads is 13.2 points above the Alabama score. Scores as of October 30, 2026. See the Alabama index

View Owens Cross Roads Mortgage Rates

What It Takes to Buy in Owens Cross Roads

$1,231/mo
Principal & Interest
Median home, 20% down, 7.19%
$52,800
Income Needed
To keep the payment at 28% of income
$86,188
Median Household Income
Alabama: $63,999
2.6x
Price-to-Income Ratio
Alabama: 3.3x
$1,178/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$916/yr
Median Property Tax
0.40% of median value
23.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
47.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Owens Cross Roads Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Owens Cross Roads, Alabama score: 147.2 (Highly Affordable), ranked 290 of 446 Alabama cities. monitorbankrates.com/housing-affordability-index/alabama/owens-cross-roads”