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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

Granby, MA Housing Affordability Index

Granby, Massachusetts has an MBR Housing Affordability Index score of 119.4 (More Affordable Than Average) as of October 30, 2026, ranking 4th most affordable of 193 scored Massachusetts cities, compared with 76.0 statewide and 97.4 nationally. On a median-priced $340,100 home with 20% down, the Massachusetts average 30-year fixed rate of 7.10% means a monthly principal and interest payment of about $1,829, or 16% of the city’s $135,750 median household income.

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

Granby MBR-HAI 119.4 More Affordable Than Average
Rank in Massachusetts 4 of 193 1 = most affordable
Massachusetts 76.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.10% Massachusetts lenders
Median home value $340,100 U.S. Census Bureau

Granby is 43.4 points above the Massachusetts score. Scores as of October 30, 2026. See the Massachusetts index

View Granby Mortgage Rates

What It Takes to Buy in Granby

$1,829/mo
Principal & Interest
Median home, 20% down, 7.10%
$78,400
Income Needed
To keep the payment at 28% of income
$135,750
Median Household Income
Massachusetts: $103,960
2.5x
Price-to-Income Ratio
Massachusetts: 5.4x
$2,039/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,984/yr
Median Property Tax
2.05% of median value
15.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Granby Ranks in Massachusetts

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Cite the Granby Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Granby, Massachusetts score: 119.4 (More Affordable Than Average), ranked 4 of 193 Massachusetts cities. monitorbankrates.com/housing-affordability-index/massachusetts/granby”