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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

Moyie Springs, ID Housing Affordability Index

Moyie Springs, Idaho has an MBR Housing Affordability Index score of 98.5 (Near National Average) as of October 30, 2026, ranking 138th most affordable of 187 scored Idaho cities, compared with 96.7 statewide and 97.4 nationally. On a median-priced $356,800 home with 20% down, the Idaho average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $1,944, or 38% of the city’s $61,615 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Moyie Springs 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.

Moyie Springs MBR-HAI 98.5 Near National Average
Rank in Idaho 138 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 $356,800 U.S. Census Bureau

Moyie Springs is 1.8 points above the Idaho score. Scores as of October 30, 2026. See the Idaho index

View Moyie Springs Mortgage Rates

What It Takes to Buy in Moyie Springs

$1,944/mo
Principal & Interest
Median home, 20% down, 7.24%
$83,300
Income Needed
To keep the payment at 28% of income
$61,615
Median Household Income
Idaho: $77,800
5.8x
Price-to-Income Ratio
Idaho: 5.4x
$954/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,551/yr
Median Property Tax
0.43% of median value
28.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
30.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Moyie Springs Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Moyie Springs, Idaho score: 98.5 (Near National Average), ranked 138 of 187 Idaho cities. monitorbankrates.com/housing-affordability-index/idaho/moyie-springs”