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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

Highland Heights, OH Housing Affordability Index

Highland Heights, Ohio has an MBR Housing Affordability Index score of 104.7 (Near National Average) as of October 30, 2026, ranking 889th most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $371,400 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $2,034, or 20% of the city’s $122,863 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Highland Heights 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.

Highland Heights MBR-HAI 104.7 Near National Average
Rank in Ohio 889 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 $371,400 U.S. Census Bureau

Highland Heights is 7.4 points below the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Highland Heights Mortgage Rates

What It Takes to Buy in Highland Heights

$2,034/mo
Principal & Interest
Median home, 20% down, 7.29%
$87,200
Income Needed
To keep the payment at 28% of income
$122,863
Median Household Income
Ohio: $71,389
3.0x
Price-to-Income Ratio
Ohio: 3.0x
$1,653/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,722/yr
Median Property Tax
1.81% of median value
25.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
70.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Highland Heights Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Highland Heights, Ohio score: 104.7 (Near National Average), ranked 889 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/highland-heights”