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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

Creedmoor, TX Housing Affordability Index

Creedmoor, Texas has an MBR Housing Affordability Index score of 74.4 (Moderately Less Affordable) as of October 30, 2026, ranking 1207th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $295,300 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,619, or 37% of the city’s $52,426 median household income.

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

Creedmoor MBR-HAI 74.4 Moderately Less Affordable
Rank in Texas 1,207 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 $295,300 U.S. Census Bureau

Creedmoor is 24.8 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View Creedmoor Mortgage Rates

What It Takes to Buy in Creedmoor

$1,619/mo
Principal & Interest
Median home, 20% down, 7.29%
$69,400
Income Needed
To keep the payment at 28% of income
$52,426
Median Household Income
Texas: $78,476
5.6x
Price-to-Income Ratio
Texas: 3.6x
$1,522/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,089/yr
Median Property Tax
1.72% of median value
37.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
79.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Creedmoor Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Creedmoor, Texas score: 74.4 (Moderately Less Affordable), ranked 1,207 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/creedmoor”