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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

Montezuma, OH Housing Affordability Index

Montezuma, Ohio has an MBR Housing Affordability Index score of 213.9 (Highly Affordable) as of October 30, 2026, ranking 54th most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $110,900 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $607, or 9% of the city’s $80,833 median household income.

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

Montezuma MBR-HAI 213.9 Highly Affordable
Rank in Ohio 54 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 $110,900 U.S. Census Bureau

Montezuma is 101.8 points above the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Montezuma Mortgage Rates

What It Takes to Buy in Montezuma

$607/mo
Principal & Interest
Median home, 20% down, 7.29%
$26,000
Income Needed
To keep the payment at 28% of income
$80,833
Median Household Income
Ohio: $71,389
1.4x
Price-to-Income Ratio
Ohio: 3.0x
$670/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,313/yr
Median Property Tax
1.18% of median value
15.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
20.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Montezuma Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Montezuma, Ohio score: 213.9 (Highly Affordable), ranked 54 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/montezuma”