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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

Richmond Dale, OH Housing Affordability Index

Richmond Dale, Ohio has an MBR Housing Affordability Index score of 186.0 (Highly Affordable) as of October 30, 2026, ranking 129th most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $87,000 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $477, or 9% of the city’s $64,438 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Richmond Dale 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.

Richmond Dale MBR-HAI 186.0 Highly Affordable
Rank in Ohio 129 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 $87,000 U.S. Census Bureau

Richmond Dale is 73.9 points above the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Richmond Dale Mortgage Rates

What It Takes to Buy in Richmond Dale

$477/mo
Principal & Interest
Median home, 20% down, 7.29%
$20,400
Income Needed
To keep the payment at 28% of income
$64,438
Median Household Income
Ohio: $71,389
1.4x
Price-to-Income Ratio
Ohio: 3.0x
$915/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,697/yr
Median Property Tax
Ohio figure
21.1%
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 Richmond Dale, Ohio. The rate is the Ohio average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Richmond Dale Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Richmond Dale, Ohio score: 186.0 (Highly Affordable), ranked 129 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/richmond-dale”