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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

Spring Valley Village, TX Housing Affordability Index

Spring Valley Village, Texas has an MBR Housing Affordability Index score of 87.1 (Moderately Less Affordable) as of October 30, 2026, ranking 1156th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $1,156,700 home with 20% down, a jumbo loan at 7.54% means a monthly principal and interest payment of about $6,498, or 32% of the city’s $245,208 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Spring Valley Village 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.

Spring Valley Village MBR-HAI 87.1 Moderately Less Affordable
Rank in Texas 1,156 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 $1,156,700 U.S. Census Bureau

Spring Valley Village is 12.0 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View Spring Valley Village Mortgage Rates

What It Takes to Buy in Spring Valley Village

$6,498/mo
Principal & Interest
Median home, 20% down, 7.54% jumbo
$278,500
Income Needed
To keep the payment at 28% of income
$245,208
Median Household Income
Texas: $78,476
4.7x
Price-to-Income Ratio
Texas: 3.6x
$4,022/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,327/yr
Median Property Tax
Texas figure
23.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
64.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Spring Valley Village, Texas. The rate is the Texas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Spring Valley Village Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Spring Valley Village, Texas score: 87.1 (Moderately Less Affordable), ranked 1,156 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/spring-valley-village”