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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

Liberty Hill, TX Housing Affordability Index

Liberty Hill, Texas has an MBR Housing Affordability Index score of 102.9 (Near National Average) as of October 30, 2026, ranking 952nd most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $403,200 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $2,210, or 23% of the city’s $115,096 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Liberty Hill 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.

Liberty Hill MBR-HAI 102.9 Near National Average
Rank in Texas 952 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 $403,200 U.S. Census Bureau

Liberty Hill is 3.7 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Liberty Hill Mortgage Rates

What It Takes to Buy in Liberty Hill

$2,210/mo
Principal & Interest
Median home, 20% down, 7.29%
$94,700
Income Needed
To keep the payment at 28% of income
$115,096
Median Household Income
Texas: $78,476
3.5x
Price-to-Income Ratio
Texas: 3.6x
$2,372/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,111/yr
Median Property Tax
1.52% of median value
31.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
24.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Liberty Hill Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Liberty Hill, Texas score: 102.9 (Near National Average), ranked 952 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/liberty-hill”