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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

Santa Claus, GA Housing Affordability Index

Santa Claus, Georgia has an MBR Housing Affordability Index score of 148.5 (Highly Affordable) as of October 30, 2026, ranking 143rd most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $137,500 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $753, or 17% of the city’s $53,750 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Santa Claus 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.

Santa Claus MBR-HAI 148.5 Highly Affordable
Rank in Georgia 143 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 $137,500 U.S. Census Bureau

Santa Claus is 42.7 points above the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Santa Claus Mortgage Rates

What It Takes to Buy in Santa Claus

$753/mo
Principal & Interest
Median home, 20% down, 7.28%
$32,300
Income Needed
To keep the payment at 28% of income
$53,750
Median Household Income
Georgia: $77,353
2.6x
Price-to-Income Ratio
Georgia: 3.9x
$755/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,048/yr
Median Property Tax
Georgia figure
7.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
35.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Santa Claus Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Santa Claus, Georgia score: 148.5 (Highly Affordable), ranked 143 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/santa-claus”