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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

Eldorado, TX Housing Affordability Index

Eldorado, Texas has an MBR Housing Affordability Index score of 211.1 (Highly Affordable) as of October 30, 2026, ranking 92nd most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $96,000 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $526, or 9% of the city’s $68,882 median household income.

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

Eldorado MBR-HAI 211.1 Highly Affordable
Rank in Texas 92 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 $96,000 U.S. Census Bureau

Eldorado is 111.9 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Eldorado Mortgage Rates

What It Takes to Buy in Eldorado

$526/mo
Principal & Interest
Median home, 20% down, 7.29%
$22,600
Income Needed
To keep the payment at 28% of income
$68,882
Median Household Income
Texas: $78,476
1.4x
Price-to-Income Ratio
Texas: 3.6x
$771/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,221/yr
Median Property Tax
2.31% of median value
6.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Eldorado Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Eldorado, Texas score: 211.1 (Highly Affordable), ranked 92 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/eldorado”