Texas Housing Affordability Index
Daily affordability 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.
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 | 105.3 | Near National Average |
| 25 | Illinois | 105.2 | Near National Average |
| 26 | Tennessee | 105.1 | Near National Average |
| 27 | Texas You are here | 102.4 | Near National Average |
| 28 | Alaska | 102.1 | Near National Average |
| 29 | Minnesota | 100.1 | Near National Average |
| 30 | Idaho | 97.7 | Near National Average |
| ▼ See all 51 state rankings → | |||
Showing states ranked near Texas · May 26, 2026 • View complete national rankings →
Download Texas HAI Data
2026-05-26,TX,102.4,100.0,6.394
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 102.4 on May 26, 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 6.394% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“Texas's MonitorBankRates (MBR) Housing Affordability Index score of 102.4 places it #27 of 51 nationwide. Above the 100 baseline, that means buyer purchasing power in Texas is stronger than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 6.394%, and the index tracks closely with the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. Texas: 102.4 (Near National Average), rank #27 of 51 states. 30-yr mortgage avg: 6.39%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/texas/
Housing affordability in Texas is currently sitting at 102.4 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 6.39% 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
- Background interviews: methodology, market context, or commentary on rate moves
- Direct contact: contact form or reply to any address listed there
For our published citation history and recent media mentions, see MBR in the Press.
