MonitorBankRates
☰
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

Wood Lake, NE Housing Affordability Index

Wood Lake, Nebraska has an MBR Housing Affordability Index score of 149.4 (Highly Affordable) as of October 30, 2026, ranking 300th most affordable of 456 scored Nebraska cities, compared with 106.6 statewide and 97.4 nationally. On a median-priced $55,000 home with 20% down, the Nebraska average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $300, or 12% of the city’s $30,417 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Wood Lake 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.

Wood Lake MBR-HAI 149.4 Highly Affordable
Rank in Nebraska 300 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 $55,000 U.S. Census Bureau

Wood Lake is 42.9 points above the Nebraska score. Scores as of October 30, 2026. See the Nebraska index

View Wood Lake Mortgage Rates

What It Takes to Buy in Wood Lake

$300/mo
Principal & Interest
Median home, 20% down, 7.26%
$12,900
Income Needed
To keep the payment at 28% of income
$30,417
Median Household Income
Nebraska: $76,475
1.8x
Price-to-Income Ratio
Nebraska: 3.1x
$400/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,271/yr
Median Property Tax
Nebraska figure
22.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
60.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Wood Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Wood Lake, Nebraska score: 149.4 (Highly Affordable), ranked 300 of 456 Nebraska cities. monitorbankrates.com/housing-affordability-index/nebraska/wood-lake”