MonitorBankRates
☰
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

Seven Oaks, TX Housing Affordability Index

Seven Oaks, Texas has an MBR Housing Affordability Index score of 160.6 (Highly Affordable) as of October 30, 2026, ranking 300th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $114,100 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $625, or 12% of the city’s $60,733 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Seven 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.

Seven Oaks MBR-HAI 160.6 Highly Affordable
Rank in Texas 300 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 $114,100 U.S. Census Bureau

Seven Oaks is 61.5 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Seven Oaks Mortgage Rates

What It Takes to Buy in Seven Oaks

$625/mo
Principal & Interest
Median home, 20% down, 7.29%
$26,800
Income Needed
To keep the payment at 28% of income
$60,733
Median Household Income
Texas: $78,476
1.9x
Price-to-Income Ratio
Texas: 3.6x
$456/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,327/yr
Median Property Tax
Texas figure
28.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Seven Oaks Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Seven Oaks, Texas score: 160.6 (Highly Affordable), ranked 300 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/seven-oaks”