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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

Blue Ridge, GA Housing Affordability Index

Blue Ridge, Georgia has an MBR Housing Affordability Index score of 81.6 (Moderately Less Affordable) as of October 30, 2026, ranking 507th most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $348,200 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,907, or 51% of the city’s $44,773 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Blue Ridge is updated every night from live Georgia 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.

Blue Ridge MBR-HAI 81.6 Moderately Less Affordable
Rank in Georgia 507 of 519 1 = most affordable
Georgia 105.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Georgia lenders
Median home value $348,200 U.S. Census Bureau

Blue Ridge is 24.2 points below the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Blue Ridge Mortgage Rates

What It Takes to Buy in Blue Ridge

$1,907/mo
Principal & Interest
Median home, 20% down, 7.28%
$81,700
Income Needed
To keep the payment at 28% of income
$44,773
Median Household Income
Georgia: $77,353
7.8x
Price-to-Income Ratio
Georgia: 3.9x
$692/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,500/yr
Median Property Tax
0.72% of median value
42.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
36.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Blue Ridge Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Blue Ridge, Georgia score: 81.6 (Moderately Less Affordable), ranked 507 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/blue-ridge”