MonitorBankRates
☰
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

Bray, OK Housing Affordability Index

Bray, Oklahoma has an MBR Housing Affordability Index score of 155.9 (Highly Affordable) as of October 30, 2026, ranking 315th most affordable of 555 scored Oklahoma cities, compared with 117.4 statewide and 97.4 nationally. On a median-priced $166,700 home with 20% down, the Oklahoma average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $915, or 15% of the city’s $73,897 median household income.

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

Bray MBR-HAI 155.9 Highly Affordable
Rank in Oklahoma 315 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 $166,700 U.S. Census Bureau

Bray is 38.5 points above the Oklahoma score. Scores as of October 30, 2026. See the Oklahoma index

View Bray Mortgage Rates

What It Takes to Buy in Bray

$915/mo
Principal & Interest
Median home, 20% down, 7.31%
$39,200
Income Needed
To keep the payment at 28% of income
$73,897
Median Household Income
Oklahoma: $65,039
2.3x
Price-to-Income Ratio
Oklahoma: 3.1x
$656/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,171/yr
Median Property Tax
0.70% of median value
20.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
41.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Bray Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bray, Oklahoma score: 155.9 (Highly Affordable), ranked 315 of 555 Oklahoma cities. monitorbankrates.com/housing-affordability-index/oklahoma/bray”