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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

McCool Junction, NE Housing Affordability Index

McCool Junction, Nebraska has an MBR Housing Affordability Index score of 293.0 (Highly Affordable) as of October 30, 2026, ranking 25th most affordable of 456 scored Nebraska cities, compared with 106.6 statewide and 97.4 nationally. On a median-priced $149,500 home with 20% down, the Nebraska average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $816, or 8% of the city’s $118,438 median household income.

The MBR Housing Affordability Index (MBR-HAI) for McCool Junction is updated every night from live Nebraska 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.

McCool Junction MBR-HAI 293.0 Highly Affordable
Rank in Nebraska 25 of 456 1 = most affordable
Nebraska 106.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% Nebraska lenders
Median home value $149,500 U.S. Census Bureau

McCool Junction is 186.4 points above the Nebraska score. Scores as of October 30, 2026. See the Nebraska index

View McCool Junction Mortgage Rates

What It Takes to Buy in McCool Junction

$816/mo
Principal & Interest
Median home, 20% down, 7.26%
$35,000
Income Needed
To keep the payment at 28% of income
$118,438
Median Household Income
Nebraska: $76,475
1.3x
Price-to-Income Ratio
Nebraska: 3.1x
$1,380/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,880/yr
Median Property Tax
1.26% of median value
5.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
3.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How McCool Junction Ranks in Nebraska

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Cite the McCool Junction Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. McCool Junction, Nebraska score: 293.0 (Highly Affordable), ranked 25 of 456 Nebraska cities. monitorbankrates.com/housing-affordability-index/nebraska/mccool-junction”