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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

Fairborn, OH Housing Affordability Index

Fairborn, Ohio has an MBR Housing Affordability Index score of 116.4 (More Affordable Than Average) as of October 30, 2026, ranking 744th most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $175,000 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $959, or 19% of the city’s $61,751 median household income.

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

Fairborn MBR-HAI 116.4 More Affordable Than Average
Rank in Ohio 744 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 $175,000 U.S. Census Bureau

Fairborn is 4.3 points above the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Fairborn Mortgage Rates

What It Takes to Buy in Fairborn

$959/mo
Principal & Interest
Median home, 20% down, 7.29%
$41,100
Income Needed
To keep the payment at 28% of income
$61,751
Median Household Income
Ohio: $71,389
2.8x
Price-to-Income Ratio
Ohio: 3.0x
$1,000/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,806/yr
Median Property Tax
1.60% of median value
18.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fairborn Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fairborn, Ohio score: 116.4 (More Affordable Than Average), ranked 744 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/fairborn”