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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

Rising Star, TX Housing Affordability Index

Rising Star, Texas has an MBR Housing Affordability Index score of 254.1 (Highly Affordable) as of October 30, 2026, ranking 37th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $39,500 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $217, or 7% of the city’s $37,037 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Rising Star 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.

Rising Star MBR-HAI 254.1 Highly Affordable
Rank in Texas 37 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 $39,500 U.S. Census Bureau

Rising Star is 154.9 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Rising Star Mortgage Rates

What It Takes to Buy in Rising Star

$217/mo
Principal & Interest
Median home, 20% down, 7.29%
$9,300
Income Needed
To keep the payment at 28% of income
$37,037
Median Household Income
Texas: $78,476
1.1x
Price-to-Income Ratio
Texas: 3.6x
$448/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$875/yr
Median Property Tax
2.22% of median value
21.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
25.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Rising Star Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Rising Star, Texas score: 254.1 (Highly Affordable), ranked 37 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/rising-star”