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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

Gold Hill, OR Housing Affordability Index

Gold Hill, Oregon has an MBR Housing Affordability Index score of 81.4 (Moderately Less Affordable) as of October 30, 2026, ranking 182nd most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $340,500 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,864, or 40% of the city’s $56,359 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Gold Hill 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.

Gold Hill MBR-HAI 81.4 Moderately Less Affordable
Rank in Oregon 182 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 $340,500 U.S. Census Bureau

Gold Hill is 3.4 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View Gold Hill Mortgage Rates

What It Takes to Buy in Gold Hill

$1,864/mo
Principal & Interest
Median home, 20% down, 7.28%
$79,900
Income Needed
To keep the payment at 28% of income
$56,359
Median Household Income
Oregon: $83,011
6.0x
Price-to-Income Ratio
Oregon: 5.8x
$1,243/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,831/yr
Median Property Tax
0.54% of median value
33.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
58.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Gold Hill Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Gold Hill, Oregon score: 81.4 (Moderately Less Affordable), ranked 182 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/gold-hill”