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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

Kirby, TX Housing Affordability Index

Kirby, Texas has an MBR Housing Affordability Index score of 120.8 (Highly Affordable) as of October 30, 2026, ranking 666th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $165,500 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $907, or 20% of the city’s $55,532 median household income.

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

Kirby MBR-HAI 120.8 Highly Affordable
Rank in Texas 666 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 $165,500 U.S. Census Bureau

Kirby is 21.7 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Kirby Mortgage Rates

What It Takes to Buy in Kirby

$907/mo
Principal & Interest
Median home, 20% down, 7.29%
$38,900
Income Needed
To keep the payment at 28% of income
$55,532
Median Household Income
Texas: $78,476
3.0x
Price-to-Income Ratio
Texas: 3.6x
$792/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,886/yr
Median Property Tax
1.74% of median value
20.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
35.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Kirby Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kirby, Texas score: 120.8 (Highly Affordable), ranked 666 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/kirby”