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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

Yoncalla, OR Housing Affordability Index

Yoncalla, Oregon has an MBR Housing Affordability Index score of 100.7 (Near National Average) as of October 30, 2026, ranking 82nd most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $266,700 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,460, or 32% of the city’s $55,260 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Yoncalla 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.

Yoncalla MBR-HAI 100.7 Near National Average
Rank in Oregon 82 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 $266,700 U.S. Census Bureau

Yoncalla is 22.7 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View Yoncalla Mortgage Rates

What It Takes to Buy in Yoncalla

$1,460/mo
Principal & Interest
Median home, 20% down, 7.28%
$62,600
Income Needed
To keep the payment at 28% of income
$55,260
Median Household Income
Oregon: $83,011
4.8x
Price-to-Income Ratio
Oregon: 5.8x
$604/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,638/yr
Median Property Tax
0.61% of median value
48.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Yoncalla Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Yoncalla, Oregon score: 100.7 (Near National Average), ranked 82 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/yoncalla”