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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

Matagorda, TX Housing Affordability Index

Matagorda, Texas has an MBR Housing Affordability Index score of 43.3 (Least Affordable) as of October 30, 2026, ranking 1229th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $380,000 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $2,083, or 177% of the city’s $14,145 median household income.

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

Matagorda MBR-HAI 43.3 Least Affordable
Rank in Texas 1,229 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 $380,000 U.S. Census Bureau

Matagorda is 55.8 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View Matagorda Mortgage Rates

What It Takes to Buy in Matagorda

$2,083/mo
Principal & Interest
Median home, 20% down, 7.29%
$89,300
Income Needed
To keep the payment at 28% of income
$14,145
Median Household Income
Texas: $78,476
26.9x
Price-to-Income Ratio
Texas: 3.6x
$1,692/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,327/yr
Median Property Tax
Texas figure
100.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Matagorda Ranks in Texas

Cities with similar scores
#1,226San Leanna60.7 #1,227Double Horn60.2 #1,228Neylandville60.0
#1,229Matagorda43.3
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Cite the Matagorda Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Matagorda, Texas score: 43.3 (Least Affordable), ranked 1,229 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/matagorda”