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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

Rocky Ridge, OH Housing Affordability Index

Rocky Ridge, Ohio has an MBR Housing Affordability Index score of 244.7 (Highly Affordable) as of October 30, 2026, ranking 20th most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $97,100 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $532, or 8% of the city’s $78,906 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Rocky Ridge 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.

Rocky Ridge MBR-HAI 244.7 Highly Affordable
Rank in Ohio 20 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 $97,100 U.S. Census Bureau

Rocky Ridge is 132.6 points above the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Rocky Ridge Mortgage Rates

What It Takes to Buy in Rocky Ridge

$532/mo
Principal & Interest
Median home, 20% down, 7.29%
$22,800
Income Needed
To keep the payment at 28% of income
$78,906
Median Household Income
Ohio: $71,389
1.2x
Price-to-Income Ratio
Ohio: 3.0x
$550/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,429/yr
Median Property Tax
1.47% of median value
21.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
8.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Rocky Ridge Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Rocky Ridge, Ohio score: 244.7 (Highly Affordable), ranked 20 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/rocky-ridge”