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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

Silver City, NV Housing Affordability Index

Silver City, Nevada has an MBR Housing Affordability Index score of 121.0 (Highly Affordable) as of October 30, 2026, ranking 18th most affordable of 54 scored Nevada cities, compared with 86.2 statewide and 97.4 nationally. On a median-priced $319,000 home with 20% down, the Nevada average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $1,721, or 30% of the city’s $68,056 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Silver City is updated every night from live Nevada 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.

Silver City MBR-HAI 121.0 Highly Affordable
Rank in Nevada 18 of 54 1 = most affordable
Nevada 86.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.14% Nevada lenders
Median home value $319,000 U.S. Census Bureau

Silver City is 34.8 points above the Nevada score. Scores as of October 30, 2026. See the Nevada index

View Silver City Mortgage Rates

What It Takes to Buy in Silver City

$1,721/mo
Principal & Interest
Median home, 20% down, 7.14%
$73,800
Income Needed
To keep the payment at 28% of income
$68,056
Median Household Income
Nevada: $78,260
4.7x
Price-to-Income Ratio
Nevada: 5.6x
$340/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,271/yr
Median Property Tax
Nevada figure
36.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
75.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Silver City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Silver City, Nevada score: 121.0 (Highly Affordable), ranked 18 of 54 Nevada cities. monitorbankrates.com/housing-affordability-index/nevada/silver-city”