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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

Spalding, NE Housing Affordability Index

Spalding, Nebraska has an MBR Housing Affordability Index score of 169.9 (Highly Affordable) as of October 30, 2026, ranking 212th most affordable of 456 scored Nebraska cities, compared with 106.6 statewide and 97.4 nationally. On a median-priced $127,300 home with 20% down, the Nebraska average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $695, or 13% of the city’s $65,625 median household income.

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

Spalding MBR-HAI 169.9 Highly Affordable
Rank in Nebraska 212 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 $127,300 U.S. Census Bureau

Spalding is 63.4 points above the Nebraska score. Scores as of October 30, 2026. See the Nebraska index

View Spalding Mortgage Rates

What It Takes to Buy in Spalding

$695/mo
Principal & Interest
Median home, 20% down, 7.26%
$29,800
Income Needed
To keep the payment at 28% of income
$65,625
Median Household Income
Nebraska: $76,475
1.9x
Price-to-Income Ratio
Nebraska: 3.1x
$581/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,167/yr
Median Property Tax
0.92% of median value
17.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Spalding Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Spalding, Nebraska score: 169.9 (Highly Affordable), ranked 212 of 456 Nebraska cities. monitorbankrates.com/housing-affordability-index/nebraska/spalding”