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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

Fort Thomas, AZ Housing Affordability Index

Fort Thomas, Arizona has an MBR Housing Affordability Index score of 190.8 (Highly Affordable) as of October 30, 2026, ranking 32nd most affordable of 168 scored Arizona cities, compared with 93.6 statewide and 97.4 nationally. On a median-priced $154,700 home with 20% down, the Arizona average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $843, or 9% of the city’s $108,542 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fort Thomas is updated every night from live Arizona 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.

Fort Thomas MBR-HAI 190.8 Highly Affordable
Rank in Arizona 32 of 168 1 = most affordable
Arizona 93.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.24% Arizona lenders
Median home value $154,700 U.S. Census Bureau

Fort Thomas is 97.1 points above the Arizona score. Scores as of October 30, 2026. See the Arizona index

View Fort Thomas Mortgage Rates

What It Takes to Buy in Fort Thomas

$843/mo
Principal & Interest
Median home, 20% down, 7.24%
$36,100
Income Needed
To keep the payment at 28% of income
$108,542
Median Household Income
Arizona: $79,964
1.4x
Price-to-Income Ratio
Arizona: 4.9x
$1,066/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,030/yr
Median Property Tax
Arizona figure
27.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fort Thomas Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fort Thomas, Arizona score: 190.8 (Highly Affordable), ranked 32 of 168 Arizona cities. monitorbankrates.com/housing-affordability-index/arizona/fort-thomas”