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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

Fresno, TX Housing Affordability Index

Fresno, Texas has an MBR Housing Affordability Index score of 117.1 (More Affordable Than Average) as of October 30, 2026, ranking 709th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $243,500 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,335, or 18% of the city’s $91,264 median household income.

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

Fresno MBR-HAI 117.1 More Affordable Than Average
Rank in Texas 709 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 $243,500 U.S. Census Bureau

Fresno is 17.9 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Fresno Mortgage Rates

What It Takes to Buy in Fresno

$1,335/mo
Principal & Interest
Median home, 20% down, 7.29%
$57,200
Income Needed
To keep the payment at 28% of income
$91,264
Median Household Income
Texas: $78,476
2.7x
Price-to-Income Ratio
Texas: 3.6x
$1,774/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,584/yr
Median Property Tax
1.88% of median value
27.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fresno Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fresno, Texas score: 117.1 (More Affordable Than Average), ranked 709 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/fresno”