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

Spring Creek, NV Housing Affordability Index

Spring Creek, Nevada has an MBR Housing Affordability Index score of 112.9 (More Affordable Than Average) as of October 30, 2026, ranking 23rd most affordable of 54 scored Nevada cities, compared with 86.2 statewide and 97.4 nationally. On a median-priced $360,600 home with 20% down, the Nevada average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $1,946, or 22% of the city’s $105,154 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Spring Creek 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.

Spring Creek MBR-HAI 112.9 More Affordable Than Average
Rank in Nevada 23 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 $360,600 U.S. Census Bureau

Spring Creek is 26.7 points above the Nevada score. Scores as of October 30, 2026. See the Nevada index

View Spring Creek Mortgage Rates

What It Takes to Buy in Spring Creek

$1,946/mo
Principal & Interest
Median home, 20% down, 7.14%
$83,400
Income Needed
To keep the payment at 28% of income
$105,154
Median Household Income
Nevada: $78,260
3.4x
Price-to-Income Ratio
Nevada: 5.6x
$1,575/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,910/yr
Median Property Tax
0.53% of median value
28.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
44.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Spring Creek Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Spring Creek, Nevada score: 112.9 (More Affordable Than Average), ranked 23 of 54 Nevada cities. monitorbankrates.com/housing-affordability-index/nevada/spring-creek”