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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

Harding, MN Housing Affordability Index

Harding, Minnesota has an MBR Housing Affordability Index score of 102.6 (Near National Average) as of October 30, 2026, ranking 627th most affordable of 809 scored Minnesota cities, compared with 97.5 statewide and 97.4 nationally. On a median-priced $175,000 home with 20% down, the Minnesota average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $957, or 23% of the city’s $50,000 median household income.

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

Harding MBR-HAI 102.6 Near National Average
Rank in Minnesota 627 of 809 1 = most affordable
Minnesota 97.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.27% Minnesota lenders
Median home value $175,000 U.S. Census Bureau

Harding is 5.2 points above the Minnesota score. Scores as of October 30, 2026. See the Minnesota index

View Harding Mortgage Rates

What It Takes to Buy in Harding

$957/mo
Principal & Interest
Median home, 20% down, 7.27%
$41,000
Income Needed
To keep the payment at 28% of income
$50,000
Median Household Income
Minnesota: $89,062
3.5x
Price-to-Income Ratio
Minnesota: 3.7x
$962/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,725/yr
Median Property Tax
0.99% of median value
40.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Harding Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Harding, Minnesota score: 102.6 (Near National Average), ranked 627 of 809 Minnesota cities. monitorbankrates.com/housing-affordability-index/minnesota/harding”