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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

Olathe, CO Housing Affordability Index

Olathe, Colorado has an MBR Housing Affordability Index score of 108.8 (Near National Average) as of October 30, 2026, ranking 111th most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $245,600 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,349, or 29% of the city’s $55,767 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Olathe is updated every night from live Colorado 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.

Olathe MBR-HAI 108.8 Near National Average
Rank in Colorado 111 of 284 1 = most affordable
Colorado 83.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Colorado lenders
Median home value $245,600 U.S. Census Bureau

Olathe is 25.5 points above the Colorado score. Scores as of October 30, 2026. See the Colorado index

View Olathe Mortgage Rates

What It Takes to Buy in Olathe

$1,349/mo
Principal & Interest
Median home, 20% down, 7.31%
$57,800
Income Needed
To keep the payment at 28% of income
$55,767
Median Household Income
Colorado: $95,470
4.4x
Price-to-Income Ratio
Colorado: 5.6x
$785/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,122/yr
Median Property Tax
0.46% of median value
40.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
54.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Olathe Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Olathe, Colorado score: 108.8 (Near National Average), ranked 111 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/olathe”