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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

Seven Points, TX Housing Affordability Index

Seven Points, Texas has an MBR Housing Affordability Index score of 137.0 (Highly Affordable) as of October 30, 2026, ranking 466th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $91,100 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $499, or 15% of the city’s $39,934 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Seven Points 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 Points MBR-HAI 137.0 Highly Affordable
Rank in Texas 466 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 $91,100 U.S. Census Bureau

Seven Points is 37.9 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Seven Points Mortgage Rates

What It Takes to Buy in Seven Points

$499/mo
Principal & Interest
Median home, 20% down, 7.29%
$21,400
Income Needed
To keep the payment at 28% of income
$39,934
Median Household Income
Texas: $78,476
2.3x
Price-to-Income Ratio
Texas: 3.6x
$424/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,327/yr
Median Property Tax
Texas figure
24.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Seven Points Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Seven Points, Texas score: 137.0 (Highly Affordable), ranked 466 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/seven-points”