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

Moorland, KY Housing Affordability Index

Moorland, Kentucky has an MBR Housing Affordability Index score of 121.0 (Highly Affordable) as of October 30, 2026, ranking 289th most affordable of 431 scored Kentucky cities, compared with 120.8 statewide and 97.4 nationally. On a median-priced $228,200 home with 20% down, the Kentucky average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,248, or 21% of the city’s $72,750 median household income.

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

Moorland MBR-HAI 121.0 Highly Affordable
Rank in Kentucky 289 of 431 1 = most affordable
Kentucky 120.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.27% Kentucky lenders
Median home value $228,200 U.S. Census Bureau

Moorland is 0.2 points above the Kentucky score. Scores as of October 30, 2026. See the Kentucky index

View Moorland Mortgage Rates

What It Takes to Buy in Moorland

$1,248/mo
Principal & Interest
Median home, 20% down, 7.27%
$53,500
Income Needed
To keep the payment at 28% of income
$72,750
Median Household Income
Kentucky: $63,726
3.1x
Price-to-Income Ratio
Kentucky: 3.2x
$1,080/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,685/yr
Median Property Tax
0.74% of median value
22.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
38.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Moorland Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Moorland, Kentucky score: 121.0 (Highly Affordable), ranked 289 of 431 Kentucky cities. monitorbankrates.com/housing-affordability-index/kentucky/moorland”