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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

Eagle Lake, TX Housing Affordability Index

Eagle Lake, Texas has an MBR Housing Affordability Index score of 167.2 (Highly Affordable) as of October 30, 2026, ranking 260th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $137,900 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $756, or 13% of the city’s $69,205 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Eagle Lake 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.

Eagle Lake MBR-HAI 167.2 Highly Affordable
Rank in Texas 260 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 $137,900 U.S. Census Bureau

Eagle Lake is 68.0 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Eagle Lake Mortgage Rates

What It Takes to Buy in Eagle Lake

$756/mo
Principal & Interest
Median home, 20% down, 7.29%
$32,400
Income Needed
To keep the payment at 28% of income
$69,205
Median Household Income
Texas: $78,476
2.0x
Price-to-Income Ratio
Texas: 3.6x
$805/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,790/yr
Median Property Tax
1.30% of median value
23.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
15.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Eagle Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Eagle Lake, Texas score: 167.2 (Highly Affordable), ranked 260 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/eagle-lake”