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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

Amber, OK Housing Affordability Index

Amber, Oklahoma has an MBR Housing Affordability Index score of 157.3 (Highly Affordable) as of October 30, 2026, ranking 308th most affordable of 555 scored Oklahoma cities, compared with 117.4 statewide and 97.4 nationally. On a median-priced $116,100 home with 20% down, the Oklahoma average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $638, or 14% of the city’s $55,313 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Amber is updated every night from live Oklahoma 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.

Amber MBR-HAI 157.3 Highly Affordable
Rank in Oklahoma 308 of 555 1 = most affordable
Oklahoma 117.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Oklahoma lenders
Median home value $116,100 U.S. Census Bureau

Amber is 39.9 points above the Oklahoma score. Scores as of October 30, 2026. See the Oklahoma index

View Amber Mortgage Rates

What It Takes to Buy in Amber

$638/mo
Principal & Interest
Median home, 20% down, 7.31%
$27,300
Income Needed
To keep the payment at 28% of income
$55,313
Median Household Income
Oklahoma: $65,039
2.1x
Price-to-Income Ratio
Oklahoma: 3.1x
$587/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,297/yr
Median Property Tax
1.12% of median value
19.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
34.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Amber Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Amber, Oklahoma score: 157.3 (Highly Affordable), ranked 308 of 555 Oklahoma cities. monitorbankrates.com/housing-affordability-index/oklahoma/amber”