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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 Marcos, TX Housing Affordability Index

San Marcos, Texas has an MBR Housing Affordability Index score of 74.1 (Moderately Less Affordable) as of October 30, 2026, ranking 1208th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $310,400 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,701, or 40% of the city’s $51,281 median household income.

The MBR Housing Affordability Index (MBR-HAI) for San Marcos 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 Marcos MBR-HAI 74.1 Moderately Less Affordable
Rank in Texas 1,208 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 $310,400 U.S. Census Bureau

San Marcos is 25.0 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View San Marcos Mortgage Rates

What It Takes to Buy in San Marcos

$1,701/mo
Principal & Interest
Median home, 20% down, 7.29%
$72,900
Income Needed
To keep the payment at 28% of income
$51,281
Median Household Income
Texas: $78,476
6.1x
Price-to-Income Ratio
Texas: 3.6x
$1,371/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,187/yr
Median Property Tax
1.67% of median value
32.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
61.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the San Marcos Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. San Marcos, Texas score: 74.1 (Moderately Less Affordable), ranked 1,208 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/san-marcos”