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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

Blue Mountain, MS Housing Affordability Index

Blue Mountain, Mississippi has an MBR Housing Affordability Index score of 193.2 (Highly Affordable) as of October 30, 2026, ranking 40th most affordable of 285 scored Mississippi cities, compared with 131.1 statewide and 97.4 nationally. On a median-priced $79,700 home with 20% down, the Mississippi average 30-year fixed rate of 7.20% means a monthly principal and interest payment of about $433, or 10% of the city’s $49,667 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Blue Mountain is updated every night from live Mississippi 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.

Blue Mountain MBR-HAI 193.2 Highly Affordable
Rank in Mississippi 40 of 285 1 = most affordable
Mississippi 131.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.20% Mississippi lenders
Median home value $79,700 U.S. Census Bureau

Blue Mountain is 62.0 points above the Mississippi score. Scores as of October 30, 2026. See the Mississippi index

View Blue Mountain Mortgage Rates

What It Takes to Buy in Blue Mountain

$433/mo
Principal & Interest
Median home, 20% down, 7.20%
$18,500
Income Needed
To keep the payment at 28% of income
$49,667
Median Household Income
Mississippi: $56,447
1.6x
Price-to-Income Ratio
Mississippi: 3.0x
$881/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$741/yr
Median Property Tax
0.93% of median value
29.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
44.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Blue Mountain Ranks in Mississippi

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Cite the Blue Mountain Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Blue Mountain, Mississippi score: 193.2 (Highly Affordable), ranked 40 of 285 Mississippi cities. monitorbankrates.com/housing-affordability-index/mississippi/blue-mountain”