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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

Shady Shores, TX Housing Affordability Index

Shady Shores, Texas has an MBR Housing Affordability Index score of 110.9 (More Affordable Than Average) as of October 30, 2026, ranking 815th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $492,300 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $2,698, or 20% of the city’s $159,375 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Shady Shores 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.

Shady Shores MBR-HAI 110.9 More Affordable Than Average
Rank in Texas 815 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 $492,300 U.S. Census Bureau

Shady Shores is 11.7 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Shady Shores Mortgage Rates

What It Takes to Buy in Shady Shores

$2,698/mo
Principal & Interest
Median home, 20% down, 7.29%
$115,600
Income Needed
To keep the payment at 28% of income
$159,375
Median Household Income
Texas: $78,476
3.1x
Price-to-Income Ratio
Texas: 3.6x
$2,266/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$7,770/yr
Median Property Tax
1.58% of median value
18.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
56.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Shady Shores Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Shady Shores, Texas score: 110.9 (More Affordable Than Average), ranked 815 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/shady-shores”