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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

Gooding, ID Housing Affordability Index

Gooding, Idaho has an MBR Housing Affordability Index score of 107.9 (Near National Average) as of October 30, 2026, ranking 103rd most affordable of 187 scored Idaho cities, compared with 96.7 statewide and 97.4 nationally. On a median-priced $186,100 home with 20% down, the Idaho average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $1,014, or 29% of the city’s $41,899 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Gooding 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.

Gooding MBR-HAI 107.9 Near National Average
Rank in Idaho 103 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 $186,100 U.S. Census Bureau

Gooding is 11.2 points above the Idaho score. Scores as of October 30, 2026. See the Idaho index

View Gooding Mortgage Rates

What It Takes to Buy in Gooding

$1,014/mo
Principal & Interest
Median home, 20% down, 7.24%
$43,500
Income Needed
To keep the payment at 28% of income
$41,899
Median Household Income
Idaho: $77,800
4.4x
Price-to-Income Ratio
Idaho: 5.4x
$646/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,265/yr
Median Property Tax
0.68% of median value
33.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Gooding Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Gooding, Idaho score: 107.9 (Near National Average), ranked 103 of 187 Idaho cities. monitorbankrates.com/housing-affordability-index/idaho/gooding”