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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

Montague, TX Housing Affordability Index

Montague, Texas has an MBR Housing Affordability Index score of 98.5 (Near National Average) as of October 30, 2026, ranking 1030th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $326,900 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,792, or 39% of the city’s $55,595 median household income.

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

Montague MBR-HAI 98.5 Near National Average
Rank in Texas 1,030 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 $326,900 U.S. Census Bureau

Montague is 0.7 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View Montague Mortgage Rates

What It Takes to Buy in Montague

$1,792/mo
Principal & Interest
Median home, 20% down, 7.29%
$76,800
Income Needed
To keep the payment at 28% of income
$55,595
Median Household Income
Texas: $78,476
5.9x
Price-to-Income Ratio
Texas: 3.6x
$797/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,278/yr
Median Property Tax
0.39% of median value
28.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
57.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Montague Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Montague, Texas score: 98.5 (Near National Average), ranked 1,030 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/montague”