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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

Coffee City, TX Housing Affordability Index

Coffee City, Texas has an MBR Housing Affordability Index score of 110.3 (More Affordable Than Average) as of October 30, 2026, ranking 826th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $237,000 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,299, or 28% of the city’s $55,625 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Coffee City 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.

Coffee City MBR-HAI 110.3 More Affordable Than Average
Rank in Texas 826 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 $237,000 U.S. Census Bureau

Coffee City is 11.1 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Coffee City Mortgage Rates

What It Takes to Buy in Coffee City

$1,299/mo
Principal & Interest
Median home, 20% down, 7.29%
$55,700
Income Needed
To keep the payment at 28% of income
$55,625
Median Household Income
Texas: $78,476
4.3x
Price-to-Income Ratio
Texas: 3.6x
$783/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,000/yr
Median Property Tax
0.84% of median value
13.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
36.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Coffee City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Coffee City, Texas score: 110.3 (More Affordable Than Average), ranked 826 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/coffee-city”