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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

Lake Milton, OH Housing Affordability Index

Lake Milton, Ohio has an MBR Housing Affordability Index score of 98.5 (Near National Average) as of October 30, 2026, ranking 935th most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $493,800 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $2,705, or 30% of the city’s $109,688 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Lake Milton 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.

Lake Milton MBR-HAI 98.5 Near National Average
Rank in Ohio 935 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 $493,800 U.S. Census Bureau

Lake Milton is 13.6 points below the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Lake Milton Mortgage Rates

What It Takes to Buy in Lake Milton

$2,705/mo
Principal & Interest
Median home, 20% down, 7.29%
$115,900
Income Needed
To keep the payment at 28% of income
$109,688
Median Household Income
Ohio: $71,389
4.5x
Price-to-Income Ratio
Ohio: 3.0x
$1,235/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,227/yr
Median Property Tax
1.06% of median value
11.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
44.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Lake Milton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lake Milton, Ohio score: 98.5 (Near National Average), ranked 935 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/lake-milton”