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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 Diego, TX Housing Affordability Index

San Diego, Texas has an MBR Housing Affordability Index score of 187.7 (Highly Affordable) as of October 30, 2026, ranking 159th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $85,600 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $469, or 11% of the city’s $53,174 median household income.

The MBR Housing Affordability Index (MBR-HAI) for San Diego 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 Diego MBR-HAI 187.7 Highly Affordable
Rank in Texas 159 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 $85,600 U.S. Census Bureau

San Diego is 88.6 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View San Diego Mortgage Rates

What It Takes to Buy in San Diego

$469/mo
Principal & Interest
Median home, 20% down, 7.29%
$20,100
Income Needed
To keep the payment at 28% of income
$53,174
Median Household Income
Texas: $78,476
1.6x
Price-to-Income Ratio
Texas: 3.6x
$524/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,347/yr
Median Property Tax
2.74% of median value
16.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
18.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the San Diego Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. San Diego, Texas score: 187.7 (Highly Affordable), ranked 159 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/san-diego”