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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

Orchard Grass Hills, KY Housing Affordability Index

Orchard Grass Hills, Kentucky has an MBR Housing Affordability Index score of 139.1 (Highly Affordable) as of October 30, 2026, ranking 174th most affordable of 431 scored Kentucky cities, compared with 120.8 statewide and 97.4 nationally. On a median-priced $301,500 home with 20% down, the Kentucky average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,648, or 18% of the city’s $107,000 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Orchard Grass Hills 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.

Orchard Grass Hills MBR-HAI 139.1 Highly Affordable
Rank in Kentucky 174 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 $301,500 U.S. Census Bureau

Orchard Grass Hills is 18.3 points above the Kentucky score. Scores as of October 30, 2026. See the Kentucky index

View Orchard Grass Hills Mortgage Rates

What It Takes to Buy in Orchard Grass Hills

$1,648/mo
Principal & Interest
Median home, 20% down, 7.27%
$70,600
Income Needed
To keep the payment at 28% of income
$107,000
Median Household Income
Kentucky: $63,726
2.8x
Price-to-Income Ratio
Kentucky: 3.2x
$1,623/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,871/yr
Median Property Tax
0.95% of median value
22.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
9.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Orchard Grass Hills Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Orchard Grass Hills, Kentucky score: 139.1 (Highly Affordable), ranked 174 of 431 Kentucky cities. monitorbankrates.com/housing-affordability-index/kentucky/orchard-grass-hills”