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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

New Port Richey, FL Housing Affordability Index

New Port Richey, Florida has an MBR Housing Affordability Index score of 110.7 (More Affordable Than Average) as of October 30, 2026, ranking 157th most affordable of 479 scored Florida cities, compared with 92.5 statewide and 97.4 nationally. On a median-priced $183,100 home with 20% down, the Florida average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $988, or 25% of the city’s $47,606 median household income.

The MBR Housing Affordability Index (MBR-HAI) for New Port Richey 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.

New Port Richey MBR-HAI 110.7 More Affordable Than Average
Rank in Florida 157 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 $183,100 U.S. Census Bureau

New Port Richey is 18.2 points above the Florida score. Scores as of October 30, 2026. See the Florida index

View New Port Richey Mortgage Rates

What It Takes to Buy in New Port Richey

$988/mo
Principal & Interest
Median home, 20% down, 7.14%
$42,400
Income Needed
To keep the payment at 28% of income
$47,606
Median Household Income
Florida: $74,568
3.8x
Price-to-Income Ratio
Florida: 4.8x
$932/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,438/yr
Median Property Tax
0.79% of median value
42.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the New Port Richey Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. New Port Richey, Florida score: 110.7 (More Affordable Than Average), ranked 157 of 479 Florida cities. monitorbankrates.com/housing-affordability-index/florida/new-port-richey”