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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

Ralston, OK Housing Affordability Index

Ralston, Oklahoma has an MBR Housing Affordability Index score of 277.7 (Highly Affordable) as of October 30, 2026, ranking 36th most affordable of 555 scored Oklahoma cities, compared with 117.4 statewide and 97.4 nationally. On a median-priced $43,900 home with 20% down, the Oklahoma average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $241, or 6% of the city’s $49,821 median household income.

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

Ralston MBR-HAI 277.7 Highly Affordable
Rank in Oklahoma 36 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 $43,900 U.S. Census Bureau

Ralston is 160.3 points above the Oklahoma score. Scores as of October 30, 2026. See the Oklahoma index

View Ralston Mortgage Rates

See What You Can Afford in Ralston, Oklahoma

Use this Ralston, Oklahoma home affordability calculator to see how much house you can afford at today’s Oklahoma average 30-year mortgage rate of 7.31%. A household earning the Ralston median income of $49,821, with no other debts and $9,000 down, can afford a home of about $113,385, compared with a median home value of $43,900. Buying the median priced home with 20% down takes a household income of about $17,000 once property tax and insurance are counted.

Ralston median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Oklahoma average, 30-year fixed
Ralston median bill (Census)
Estimate; use your quote
You can afford a home up to
$113,385
At or above the Ralston median home value of $43,900
Loan amount$104,385
Principal & interest$716/mo
Property tax$355/mo
Home insurance$47/mo
PMI$43/mo
Total monthly payment$1,162/mo
Compare Ralston Mortgage Rates

How much house can you afford in Ralston?

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 Ralston, property taxes run about 3.76% 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 $1,620 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 Ralston

$241/mo
Principal & Interest
Median home, 20% down, 7.31%
$10,300
Income Needed
To keep principal and interest at 28% of income
$49,821
Median Household Income
Oklahoma: $65,039
0.9x
Price-to-Income Ratio
Oklahoma: 3.1x
$488/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,650/yr
Median Property Tax
Oklahoma figure
43.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
13.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Ralston Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Ralston, Oklahoma score: 277.7 (Highly Affordable), ranked 36 of 555 Oklahoma cities. monitorbankrates.com/housing-affordability-index/oklahoma/ralston”