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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

Buda, TX Housing Affordability Index

Buda, Texas has an MBR Housing Affordability Index score of 102.8 (Near National Average) as of October 30, 2026, ranking 953rd most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $446,600 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $2,448, or 24% of the city’s $123,766 median household income.

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

Buda MBR-HAI 102.8 Near National Average
Rank in Texas 953 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 $446,600 U.S. Census Bureau

Buda is 3.7 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Buda Mortgage Rates

What It Takes to Buy in Buda

$2,448/mo
Principal & Interest
Median home, 20% down, 7.29%
$104,900
Income Needed
To keep the payment at 28% of income
$123,766
Median Household Income
Texas: $78,476
3.6x
Price-to-Income Ratio
Texas: 3.6x
$2,044/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$7,992/yr
Median Property Tax
1.79% of median value
26.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
27.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Buda Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Buda, Texas score: 102.8 (Near National Average), ranked 953 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/buda”