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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

Martinsburg, OH Housing Affordability Index

Martinsburg, Ohio has an MBR Housing Affordability Index score of 186.1 (Highly Affordable) as of October 30, 2026, ranking 126th most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $95,700 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $524, or 11% of the city’s $55,313 median household income.

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

Martinsburg MBR-HAI 186.1 Highly Affordable
Rank in Ohio 126 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 $95,700 U.S. Census Bureau

Martinsburg is 74.0 points above the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Martinsburg Mortgage Rates

What It Takes to Buy in Martinsburg

$524/mo
Principal & Interest
Median home, 20% down, 7.29%
$22,500
Income Needed
To keep the payment at 28% of income
$55,313
Median Household Income
Ohio: $71,389
1.7x
Price-to-Income Ratio
Ohio: 3.0x
$488/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,150/yr
Median Property Tax
1.20% of median value
26.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
17.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Martinsburg Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Martinsburg, Ohio score: 186.1 (Highly Affordable), ranked 126 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/martinsburg”