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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

Gervais, OR Housing Affordability Index

Gervais, Oregon has an MBR Housing Affordability Index score of 85.0 (Moderately Less Affordable) as of October 30, 2026, ranking 161st most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $371,400 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,033, or 29% of the city’s $83,043 median household income.

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

Gervais MBR-HAI 85.0 Moderately Less Affordable
Rank in Oregon 161 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 $371,400 U.S. Census Bureau

Gervais is 7.0 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View Gervais Mortgage Rates

What It Takes to Buy in Gervais

$2,033/mo
Principal & Interest
Median home, 20% down, 7.28%
$87,100
Income Needed
To keep the payment at 28% of income
$83,043
Median Household Income
Oregon: $83,011
4.5x
Price-to-Income Ratio
Oregon: 5.8x
$1,550/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,108/yr
Median Property Tax
0.84% of median value
47.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
83.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Gervais Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Gervais, Oregon score: 85.0 (Moderately Less Affordable), ranked 161 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/gervais”