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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

Central Point, OR Housing Affordability Index

Central Point, Oregon has an MBR Housing Affordability Index score of 91.8 (Near National Average) as of October 30, 2026, ranking 115th most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $389,100 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,130, or 30% of the city’s $86,058 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Central Point is updated every night from live Oregon 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.

Central Point MBR-HAI 91.8 Near National Average
Rank in Oregon 115 of 267 1 = most affordable
Oregon 78.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Oregon lenders
Median home value $389,100 U.S. Census Bureau

Central Point is 13.8 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View Central Point Mortgage Rates

What It Takes to Buy in Central Point

$2,130/mo
Principal & Interest
Median home, 20% down, 7.28%
$91,300
Income Needed
To keep the payment at 28% of income
$86,058
Median Household Income
Oregon: $83,011
4.5x
Price-to-Income Ratio
Oregon: 5.8x
$1,351/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,339/yr
Median Property Tax
0.86% of median value
21.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Central Point Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Central Point, Oregon score: 91.8 (Near National Average), ranked 115 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/central-point”