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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

Long Creek, OR Housing Affordability Index

Long Creek, Oregon has an MBR Housing Affordability Index score of 151.6 (Highly Affordable) as of October 30, 2026, ranking 12th most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $100,000 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $547, or 15% of the city’s $42,614 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Long Creek 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.

Long Creek MBR-HAI 151.6 Highly Affordable
Rank in Oregon 12 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 $100,000 U.S. Census Bureau

Long Creek is 73.6 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View Long Creek Mortgage Rates

What It Takes to Buy in Long Creek

$547/mo
Principal & Interest
Median home, 20% down, 7.28%
$23,500
Income Needed
To keep the payment at 28% of income
$42,614
Median Household Income
Oregon: $83,011
2.3x
Price-to-Income Ratio
Oregon: 5.8x
$460/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,718/yr
Median Property Tax
Oregon figure
58.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
8.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Long Creek Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Long Creek, Oregon score: 151.6 (Highly Affordable), ranked 12 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/long-creek”