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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

Johnson City, OR Housing Affordability Index

Johnson City, Oregon has an MBR Housing Affordability Index score of 170.7 (Highly Affordable) as of October 30, 2026, ranking 6th most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $87,800 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $481, or 12% of the city’s $48,167 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Johnson City 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.

Johnson City MBR-HAI 170.7 Highly Affordable
Rank in Oregon 6 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 $87,800 U.S. Census Bureau

Johnson City is 92.7 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View Johnson City Mortgage Rates

What It Takes to Buy in Johnson City

$481/mo
Principal & Interest
Median home, 20% down, 7.28%
$20,600
Income Needed
To keep the payment at 28% of income
$48,167
Median Household Income
Oregon: $83,011
1.8x
Price-to-Income Ratio
Oregon: 5.8x
$953/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$780/yr
Median Property Tax
0.89% of median value
47.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Johnson City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Johnson City, Oregon score: 170.7 (Highly Affordable), ranked 6 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/johnson-city”