MonitorBankRates
☰
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

Lapwai, ID Housing Affordability Index

Lapwai, Idaho has an MBR Housing Affordability Index score of 168.4 (Highly Affordable) as of October 30, 2026, ranking 8th most affordable of 187 scored Idaho cities, compared with 96.7 statewide and 97.4 nationally. On a median-priced $113,700 home with 20% down, the Idaho average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $620, or 13% of the city’s $57,439 median household income.

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

Lapwai MBR-HAI 168.4 Highly Affordable
Rank in Idaho 8 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 $113,700 U.S. Census Bureau

Lapwai is 71.7 points above the Idaho score. Scores as of October 30, 2026. See the Idaho index

View Lapwai Mortgage Rates

What It Takes to Buy in Lapwai

$620/mo
Principal & Interest
Median home, 20% down, 7.24%
$26,600
Income Needed
To keep the payment at 28% of income
$57,439
Median Household Income
Idaho: $77,800
2.0x
Price-to-Income Ratio
Idaho: 5.4x
$512/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,450/yr
Median Property Tax
1.28% of median value
27.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Lapwai Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lapwai, Idaho score: 168.4 (Highly Affordable), ranked 8 of 187 Idaho cities. monitorbankrates.com/housing-affordability-index/idaho/lapwai”