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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

Havana, IL Housing Affordability Index

Havana, Illinois has an MBR Housing Affordability Index score of 135.0 (Highly Affordable) as of October 30, 2026, ranking 835th most affordable of 1,249 scored Illinois cities, compared with 102.2 statewide and 97.4 nationally. On a median-priced $95,300 home with 20% down, the Illinois average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $523, or 15% of the city’s $41,184 median household income.

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

Havana MBR-HAI 135.0 Highly Affordable
Rank in Illinois 835 of 1,249 1 = most affordable
Illinois 102.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Illinois lenders
Median home value $95,300 U.S. Census Bureau

Havana is 32.8 points above the Illinois score. Scores as of October 30, 2026. See the Illinois index

View Havana Mortgage Rates

What It Takes to Buy in Havana

$523/mo
Principal & Interest
Median home, 20% down, 7.31%
$22,400
Income Needed
To keep the payment at 28% of income
$41,184
Median Household Income
Illinois: $83,390
2.3x
Price-to-Income Ratio
Illinois: 3.2x
$637/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,728/yr
Median Property Tax
1.81% of median value
18.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
63.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Havana Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Havana, Illinois score: 135.0 (Highly Affordable), ranked 835 of 1,249 Illinois cities. monitorbankrates.com/housing-affordability-index/illinois/havana”