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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

De Kalb, TX Housing Affordability Index

De Kalb, Texas has an MBR Housing Affordability Index score of 172.7 (Highly Affordable) as of October 30, 2026, ranking 232nd most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $89,200 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $489, or 12% of the city’s $50,104 median household income.

The MBR Housing Affordability Index (MBR-HAI) for De Kalb 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.

De Kalb MBR-HAI 172.7 Highly Affordable
Rank in Texas 232 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 $89,200 U.S. Census Bureau

De Kalb is 73.5 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View De Kalb Mortgage Rates

What It Takes to Buy in De Kalb

$489/mo
Principal & Interest
Median home, 20% down, 7.29%
$21,000
Income Needed
To keep the payment at 28% of income
$50,104
Median Household Income
Texas: $78,476
1.8x
Price-to-Income Ratio
Texas: 3.6x
$613/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,390/yr
Median Property Tax
1.56% of median value
22.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
35.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the De Kalb Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. De Kalb, Texas score: 172.7 (Highly Affordable), ranked 232 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/de-kalb”