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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

Bliss, ID Housing Affordability Index

Bliss, Idaho has an MBR Housing Affordability Index score of 213.8 (Highly Affordable) as of October 30, 2026, ranking 1st most affordable of 187 scored Idaho cities, compared with 96.7 statewide and 97.4 nationally. On a median-priced $118,800 home with 20% down, the Idaho average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $647, or 12% of the city’s $65,500 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bliss is updated every night from live Idaho 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.

Bliss MBR-HAI 213.8 Highly Affordable
Rank in Idaho 1 of 187 1 = most affordable
Idaho 96.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.24% Idaho lenders
Median home value $118,800 U.S. Census Bureau

Bliss is 117.1 points above the Idaho score. Scores as of October 30, 2026. See the Idaho index

View Bliss Mortgage Rates

What It Takes to Buy in Bliss

$647/mo
Principal & Interest
Median home, 20% down, 7.24%
$27,700
Income Needed
To keep the payment at 28% of income
$65,500
Median Household Income
Idaho: $77,800
1.8x
Price-to-Income Ratio
Idaho: 5.4x
$321/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$808/yr
Median Property Tax
0.68% of median value
18.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
30.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Bliss Ranks in Idaho

Cities with similar scores
#1Bliss213.8
#2Reubens213.6 #3Basalt206.0 #4Grace182.9
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Cite the Bliss Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bliss, Idaho score: 213.8 (Highly Affordable), ranked 1 of 187 Idaho cities. monitorbankrates.com/housing-affordability-index/idaho/bliss”