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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

Flora, MS Housing Affordability Index

Flora, Mississippi has an MBR Housing Affordability Index score of 114.0 (More Affordable Than Average) as of October 30, 2026, ranking 244th most affordable of 285 scored Mississippi cities, compared with 131.1 statewide and 97.4 nationally. On a median-priced $204,800 home with 20% down, the Mississippi average 30-year fixed rate of 7.20% means a monthly principal and interest payment of about $1,112, or 37% of the city’s $36,513 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Flora 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.

Flora MBR-HAI 114.0 More Affordable Than Average
Rank in Mississippi 244 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 $204,800 U.S. Census Bureau

Flora is 17.1 points below the Mississippi score. Scores as of October 30, 2026. See the Mississippi index

View Flora Mortgage Rates

What It Takes to Buy in Flora

$1,112/mo
Principal & Interest
Median home, 20% down, 7.20%
$47,600
Income Needed
To keep the payment at 28% of income
$36,513
Median Household Income
Mississippi: $56,447
5.6x
Price-to-Income Ratio
Mississippi: 3.0x
$703/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$852/yr
Median Property Tax
0.42% of median value
19.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
26.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Flora Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Flora, Mississippi score: 114.0 (More Affordable Than Average), ranked 244 of 285 Mississippi cities. monitorbankrates.com/housing-affordability-index/mississippi/flora”