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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

Fruitvale, TX Housing Affordability Index

Fruitvale, Texas has an MBR Housing Affordability Index score of 123.1 (Highly Affordable) as of October 30, 2026, ranking 630th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $189,100 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,037, or 25% of the city’s $50,714 median household income.

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

Fruitvale MBR-HAI 123.1 Highly Affordable
Rank in Texas 630 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 $189,100 U.S. Census Bureau

Fruitvale is 23.9 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Fruitvale Mortgage Rates

What It Takes to Buy in Fruitvale

$1,037/mo
Principal & Interest
Median home, 20% down, 7.29%
$44,400
Income Needed
To keep the payment at 28% of income
$50,714
Median Household Income
Texas: $78,476
3.7x
Price-to-Income Ratio
Texas: 3.6x
$396/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,444/yr
Median Property Tax
1.29% of median value
39.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
22.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fruitvale Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fruitvale, Texas score: 123.1 (Highly Affordable), ranked 630 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/fruitvale”