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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

Jacob City, FL Housing Affordability Index

Jacob City, Florida has an MBR Housing Affordability Index score of 283.3 (Highly Affordable) as of October 30, 2026, ranking 4th most affordable of 479 scored Florida cities, compared with 92.5 statewide and 97.4 nationally. On a median-priced $62,500 home with 20% down, the Florida average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $337, or 11% of the city’s $37,917 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Jacob City is updated every night from live Florida 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.

Jacob City MBR-HAI 283.3 Highly Affordable
Rank in Florida 4 of 479 1 = most affordable
Florida 92.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.14% Florida lenders
Median home value $62,500 U.S. Census Bureau

Jacob City is 190.8 points above the Florida score. Scores as of October 30, 2026. See the Florida index

View Jacob City Mortgage Rates

What It Takes to Buy in Jacob City

$337/mo
Principal & Interest
Median home, 20% down, 7.14%
$14,500
Income Needed
To keep the payment at 28% of income
$37,917
Median Household Income
Florida: $74,568
1.6x
Price-to-Income Ratio
Florida: 4.8x
$308/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$233/yr
Median Property Tax
0.37% of median value
58.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
55.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Jacob City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Jacob City, Florida score: 283.3 (Highly Affordable), ranked 4 of 479 Florida cities. monitorbankrates.com/housing-affordability-index/florida/jacob-city”