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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

San Luis, CO Housing Affordability Index

San Luis, Colorado has an MBR Housing Affordability Index score of 144.3 (Highly Affordable) as of October 30, 2026, ranking 45th most affordable of 284 scored Colorado cities, compared with 83.4 statewide and 97.4 nationally. On a median-priced $98,800 home with 20% down, the Colorado average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $543, or 24% of the city’s $26,708 median household income.

The MBR Housing Affordability Index (MBR-HAI) for San Luis 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.

San Luis MBR-HAI 144.3 Highly Affordable
Rank in Colorado 45 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 $98,800 U.S. Census Bureau

San Luis is 60.9 points above the Colorado score. Scores as of October 30, 2026. See the Colorado index

View San Luis Mortgage Rates

What It Takes to Buy in San Luis

$543/mo
Principal & Interest
Median home, 20% down, 7.31%
$23,300
Income Needed
To keep the payment at 28% of income
$26,708
Median Household Income
Colorado: $95,470
3.7x
Price-to-Income Ratio
Colorado: 5.6x
$541/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$638/yr
Median Property Tax
0.65% of median value
38.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
13.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the San Luis Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. San Luis, Colorado score: 144.3 (Highly Affordable), ranked 45 of 284 Colorado cities. monitorbankrates.com/housing-affordability-index/colorado/san-luis”