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

Athens, OH Housing Affordability Index

Athens, Ohio has an MBR Housing Affordability Index score of 71.0 (Moderately Less Affordable) as of October 30, 2026, ranking 981st most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $247,000 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,353, or 42% of the city’s $38,204 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Athens is updated every night from live Ohio 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.

Athens MBR-HAI 71.0 Moderately Less Affordable
Rank in Ohio 981 of 981 1 = most affordable
Ohio 112.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.29% Ohio lenders
Median home value $247,000 U.S. Census Bureau

Athens is 41.1 points below the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Athens Mortgage Rates

What It Takes to Buy in Athens

$1,353/mo
Principal & Interest
Median home, 20% down, 7.29%
$58,000
Income Needed
To keep the payment at 28% of income
$38,204
Median Household Income
Ohio: $71,389
6.5x
Price-to-Income Ratio
Ohio: 3.0x
$1,245/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,558/yr
Median Property Tax
1.44% of median value
17.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
63.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Athens Ranks in Ohio

Cities with similar scores
#978Chagrin Falls82.1 #979Kent78.4 #980Marble Cliff76.3
#981Athens71.0
Powered byMonitorBankRates

Cite the Athens Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Athens, Ohio score: 71.0 (Moderately Less Affordable), ranked 981 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/athens”