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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

John Day, OR Housing Affordability Index

John Day, Oregon has an MBR Housing Affordability Index score of 127.0 (Highly Affordable) as of October 30, 2026, ranking 30th most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $212,100 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,161, or 24% of the city’s $57,891 median household income.

The MBR Housing Affordability Index (MBR-HAI) for John Day 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.

John Day MBR-HAI 127.0 Highly Affordable
Rank in Oregon 30 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 $212,100 U.S. Census Bureau

John Day is 49.0 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View John Day Mortgage Rates

What It Takes to Buy in John Day

$1,161/mo
Principal & Interest
Median home, 20% down, 7.28%
$49,800
Income Needed
To keep the payment at 28% of income
$57,891
Median Household Income
Oregon: $83,011
3.7x
Price-to-Income Ratio
Oregon: 5.8x
$739/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,415/yr
Median Property Tax
0.67% of median value
7.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the John Day Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. John Day, Oregon score: 127.0 (Highly Affordable), ranked 30 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/john-day”