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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

Sandy Oaks, TX Housing Affordability Index

Sandy Oaks, Texas has an MBR Housing Affordability Index score of 138.2 (Highly Affordable) as of October 30, 2026, ranking 451st most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $120,300 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $659, or 16% of the city’s $50,806 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Sandy Oaks 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.

Sandy Oaks MBR-HAI 138.2 Highly Affordable
Rank in Texas 451 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 $120,300 U.S. Census Bureau

Sandy Oaks is 39.1 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Sandy Oaks Mortgage Rates

What It Takes to Buy in Sandy Oaks

$659/mo
Principal & Interest
Median home, 20% down, 7.29%
$28,300
Income Needed
To keep the payment at 28% of income
$50,806
Median Household Income
Texas: $78,476
2.4x
Price-to-Income Ratio
Texas: 3.6x
$544/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,430/yr
Median Property Tax
2.02% of median value
22.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
80.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Sandy Oaks Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Sandy Oaks, Texas score: 138.2 (Highly Affordable), ranked 451 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/sandy-oaks”