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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

Balcones Heights, TX Housing Affordability Index

Balcones Heights, Texas has an MBR Housing Affordability Index score of 67.9 (Significantly Less Affordable) as of October 30, 2026, ranking 1220th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $199,500 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,094, or 45% of the city’s $29,375 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Balcones Heights is updated every night from live Texas 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.

Balcones Heights MBR-HAI 67.9 Significantly Less Affordable
Rank in Texas 1,220 of 1,229 1 = most affordable
Texas 99.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.29% Texas lenders
Median home value $199,500 U.S. Census Bureau

Balcones Heights is 31.3 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View Balcones Heights Mortgage Rates

What It Takes to Buy in Balcones Heights

$1,094/mo
Principal & Interest
Median home, 20% down, 7.29%
$46,900
Income Needed
To keep the payment at 28% of income
$29,375
Median Household Income
Texas: $78,476
6.8x
Price-to-Income Ratio
Texas: 3.6x
$890/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,327/yr
Median Property Tax
Texas figure
55.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
66.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Balcones Heights Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Balcones Heights, Texas score: 67.9 (Significantly Less Affordable), ranked 1,220 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/balcones-heights”