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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

The Plains, OH Housing Affordability Index

The Plains, Ohio has an MBR Housing Affordability Index score of 107.4 (Near National Average) as of October 30, 2026, ranking 861st most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $233,500 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,279, or 26% of the city’s $59,688 median household income.

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

The Plains MBR-HAI 107.4 Near National Average
Rank in Ohio 861 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 $233,500 U.S. Census Bureau

The Plains is 4.7 points below the Ohio score. Scores as of October 30, 2026. See the Ohio index

View The Plains Mortgage Rates

See What You Can Afford in The Plains, Ohio

Use this The Plains, 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 The Plains median income of $59,688, with no other debts and $47,000 down, can afford a home of about $213,953, compared with a median home value of $233,500. Buying the median priced home with 20% down takes a household income of about $66,500 once property tax and insurance are counted.

The Plains median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Ohio average, 30-year fixed
The Plains median bill (Census)
Estimate; use your quote
You can afford a home up to
$213,953
Below the The Plains median home value of $233,500
Loan amount$166,953
Principal & interest$1,143/mo
Property tax$160/mo
Home insurance$89/mo
PMI$0/mo
Total monthly payment$1,393/mo
Compare The Plains Mortgage Rates

How much house can you afford in The Plains?

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 The Plains, property taxes run about 0.90% 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 $3,481 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 The Plains

$1,279/mo
Principal & Interest
Median home, 20% down, 7.29%
$54,800
Income Needed
To keep principal and interest at 28% of income
$59,688
Median Household Income
Ohio: $71,389
3.9x
Price-to-Income Ratio
Ohio: 3.0x
$766/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,090/yr
Median Property Tax
0.90% of median value
14.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
44.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the The Plains Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. The Plains, Ohio score: 107.4 (Near National Average), ranked 861 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/the-plains”