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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

La Grande, OR Housing Affordability Index

La Grande, Oregon has an MBR Housing Affordability Index score of 90.3 (Near National Average) as of October 30, 2026, ranking 125th most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $278,700 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,526, or 31% of the city’s $58,427 median household income.

The MBR Housing Affordability Index (MBR-HAI) for La Grande 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.

La Grande MBR-HAI 90.3 Near National Average
Rank in Oregon 125 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 $278,700 U.S. Census Bureau

La Grande is 12.4 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View La Grande Mortgage Rates

What It Takes to Buy in La Grande

$1,526/mo
Principal & Interest
Median home, 20% down, 7.28%
$65,400
Income Needed
To keep the payment at 28% of income
$58,427
Median Household Income
Oregon: $83,011
4.8x
Price-to-Income Ratio
Oregon: 5.8x
$967/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,845/yr
Median Property Tax
1.02% of median value
25.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the La Grande Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. La Grande, Oregon score: 90.3 (Near National Average), ranked 125 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/la-grande”