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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

Granger, TX Housing Affordability Index

Granger, Texas has an MBR Housing Affordability Index score of 137.4 (Highly Affordable) as of October 30, 2026, ranking 462nd most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $185,100 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,015, or 17% of the city’s $73,145 median household income.

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

Granger MBR-HAI 137.4 Highly Affordable
Rank in Texas 462 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 $185,100 U.S. Census Bureau

Granger is 38.2 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Granger Mortgage Rates

What It Takes to Buy in Granger

$1,015/mo
Principal & Interest
Median home, 20% down, 7.29%
$43,500
Income Needed
To keep the payment at 28% of income
$73,145
Median Household Income
Texas: $78,476
2.5x
Price-to-Income Ratio
Texas: 3.6x
$880/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,500/yr
Median Property Tax
1.35% of median value
17.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
32.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Granger Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Granger, Texas score: 137.4 (Highly Affordable), ranked 462 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/granger”