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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

San Benito, TX Housing Affordability Index

San Benito, Texas has an MBR Housing Affordability Index score of 149.6 (Highly Affordable) as of October 30, 2026, ranking 386th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $85,300 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $468, or 13% of the city’s $43,639 median household income.

The MBR Housing Affordability Index (MBR-HAI) for San Benito 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.

San Benito MBR-HAI 149.6 Highly Affordable
Rank in Texas 386 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 $85,300 U.S. Census Bureau

San Benito is 50.4 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View San Benito Mortgage Rates

What It Takes to Buy in San Benito

$468/mo
Principal & Interest
Median home, 20% down, 7.29%
$20,000
Income Needed
To keep the payment at 28% of income
$43,639
Median Household Income
Texas: $78,476
2.0x
Price-to-Income Ratio
Texas: 3.6x
$547/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,868/yr
Median Property Tax
3.36% of median value
31.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the San Benito Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. San Benito, Texas score: 149.6 (Highly Affordable), ranked 386 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/san-benito”