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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

Plum, TX Housing Affordability Index

Plum, Texas has an MBR Housing Affordability Index score of 86.5 (Moderately Less Affordable) as of October 30, 2026, ranking 1157th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $230,600 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,264, or 29% of the city’s $51,991 median household income.

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

Plum MBR-HAI 86.5 Moderately Less Affordable
Rank in Texas 1,157 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 $230,600 U.S. Census Bureau

Plum is 12.6 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View Plum Mortgage Rates

What It Takes to Buy in Plum

$1,264/mo
Principal & Interest
Median home, 20% down, 7.29%
$54,200
Income Needed
To keep the payment at 28% of income
$51,991
Median Household Income
Texas: $78,476
4.4x
Price-to-Income Ratio
Texas: 3.6x
$939/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 Plum, Texas. The rate is the Texas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Plum Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Plum, Texas score: 86.5 (Moderately Less Affordable), ranked 1,157 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/plum”