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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

Willoughby Hills, OH Housing Affordability Index

Willoughby Hills, Ohio has an MBR Housing Affordability Index score of 82.2 (Moderately Less Affordable) as of October 30, 2026, ranking 977th most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $328,600 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,800, or 32% of the city’s $67,214 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Willoughby Hills 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.

Willoughby Hills MBR-HAI 82.2 Moderately Less Affordable
Rank in Ohio 977 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 $328,600 U.S. Census Bureau

Willoughby Hills is 29.9 points below the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Willoughby Hills Mortgage Rates

What It Takes to Buy in Willoughby Hills

$1,800/mo
Principal & Interest
Median home, 20% down, 7.29%
$77,100
Income Needed
To keep the payment at 28% of income
$67,214
Median Household Income
Ohio: $71,389
4.9x
Price-to-Income Ratio
Ohio: 3.0x
$1,495/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,008/yr
Median Property Tax
1.83% of median value
15.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Willoughby Hills Ranks in Ohio

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Cite the Willoughby Hills Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Willoughby Hills, Ohio score: 82.2 (Moderately Less Affordable), ranked 977 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/willoughby-hills”