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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

Echo, OR Housing Affordability Index

Echo, Oregon has an MBR Housing Affordability Index score of 200.2 (Highly Affordable) as of October 30, 2026, ranking 2nd most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $173,100 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $948, or 10% of the city’s $112,639 median household income.

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

Echo MBR-HAI 200.2 Highly Affordable
Rank in Oregon 2 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 $173,100 U.S. Census Bureau

Echo is 122.2 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View Echo Mortgage Rates

What It Takes to Buy in Echo

$948/mo
Principal & Interest
Median home, 20% down, 7.28%
$40,600
Income Needed
To keep the payment at 28% of income
$112,639
Median Household Income
Oregon: $83,011
1.5x
Price-to-Income Ratio
Oregon: 5.8x
$719/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,783/yr
Median Property Tax
1.03% of median value
26.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
20.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Echo Ranks in Oregon

Cities with similar scores
#1Helix239.7
#2Echo200.2
#3Brogan196.0 #4Summerville173.8 #5Grass Valley171.4
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Cite the Echo Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Echo, Oregon score: 200.2 (Highly Affordable), ranked 2 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/echo”