Texas Housing Affordability Index
Texas’s MBR Housing Affordability Index score is 98.8 (Near National Average) as of October 13, 2026, ranking 27th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $283,800 home in Texas with 20% down, the current 7.39% 30-year fixed rate means a monthly principal and interest payment of about $1,570, or 24% of the state’s $78,476 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) score for Texas compared to the national average. Updated every night using live mortgage rates and U.S. Census Bureau income and home value data. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 13, 2026, with Texas outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
Free to reuse with the citation shown on the image.
Texas Affordability Ranking
Texas MBR-HAI · 90-Day Trend
Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.
Key Affordability Factors · Texas
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How Texas Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 23 states → | |||
| 24 | Delaware | 103.2 | Near National Average |
| 25 | Wyoming | 102.8 | Near National Average |
| 26 | Illinois | 101.5 | Near National Average |
| 27 | Texas You are here | 98.8 | Near National Average |
| 28 | Alaska | 98.0 | Near National Average |
| 29 | Minnesota | 96.7 | Near National Average |
| 30 | Idaho | 96.3 | Near National Average |
| ▼ See all 51 state rankings → | |||
Showing states ranked near Texas · October 13, 2026 • View complete national rankings →
Download Texas HAI Data
2026-10-13,TX,98.8,97.1,7.388
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · Texas
Ready-to-publish sentences using today's Texas data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live Texas score. Free for editorial use with attribution to MonitorBankRates.
In Texas, the MonitorBankRates (MBR) Housing Affordability Index stood at 98.8 on October 13, 2026, ranking #27 of 51 U.S. states for homeownership affordability and indicating near national average conditions relative to the national baseline. The state-level reading combines Texas's 30-year mortgage rate average of 7.388% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“Texas's MonitorBankRates (MBR) Housing Affordability Index score of 98.8 places it #27 of 51 nationwide. Below the 100 baseline, that means buyer purchasing power in Texas is weaker than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.388%, and the index tracks closely with the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. Texas: 98.8 (Near National Average), rank #27 of 51 states. 30-yr mortgage avg: 7.39%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/texas/
Housing affordability in Texas is currently sitting at 98.8 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #27 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, Texas's 30-year mortgage rate of 7.39% reflects near national average conditions for local buyers. The state tracks closely with the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for Texas homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The Texas MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: Texas metros, MSAs, or historical slices on request
- Embargo-friendly releases: give us 24 hours notice for scheduled coverage
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For our published citation history and recent media mentions, see MBR in the Press.
