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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

Mount Healthy, OH Housing Affordability Index

Mount Healthy, Ohio has an MBR Housing Affordability Index score of 109.0 (Near National Average) as of October 30, 2026, ranking 844th most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $163,100 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $893, or 20% of the city’s $54,565 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Mount Healthy 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.

Mount Healthy MBR-HAI 109.0 Near National Average
Rank in Ohio 844 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 $163,100 U.S. Census Bureau

Mount Healthy is 3.1 points below the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Mount Healthy Mortgage Rates

See What You Can Afford in Mount Healthy, Ohio

Use this Mount Healthy, Ohio home affordability calculator to see how much house you can afford at today’s Ohio average 30-year mortgage rate of 7.29%. A household earning the Mount Healthy median income of $54,565, with no other debts and $33,000 down, can afford a home of about $170,686, compared with a median home value of $163,100. Buying the median priced home with 20% down takes a household income of about $49,500 once property tax and insurance are counted.

Mount Healthy median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Ohio average, 30-year fixed
Mount Healthy median bill (Census)
Estimate; use your quote
You can afford a home up to
$170,686
At or above the Mount Healthy median home value of $163,100
Loan amount$137,686
Principal & interest$943/mo
Property tax$202/mo
Home insurance$71/mo
PMI$57/mo
Total monthly payment$1,273/mo
Compare Mount Healthy Mortgage Rates

How much house can you afford in Mount Healthy?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Mount Healthy, property taxes run about 1.42% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $2,600 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Mount Healthy

$893/mo
Principal & Interest
Median home, 20% down, 7.29%
$38,300
Income Needed
To keep principal and interest at 28% of income
$54,565
Median Household Income
Ohio: $71,389
3.0x
Price-to-Income Ratio
Ohio: 3.0x
$1,035/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,318/yr
Median Property Tax
1.42% of median value
32.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Mount Healthy Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Mount Healthy, Ohio score: 109.0 (Near National Average), ranked 844 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/mount-healthy”