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

Sunrise Beach Village, TX Housing Affordability Index

Sunrise Beach Village, Texas has an MBR Housing Affordability Index score of 69.9 (Significantly Less Affordable) as of October 30, 2026, ranking 1217th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $657,300 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $3,603, or 57% of the city’s $75,625 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Sunrise Beach 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.

Sunrise Beach Village MBR-HAI 69.9 Significantly Less Affordable
Rank in Texas 1,217 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 $657,300 U.S. Census Bureau

Sunrise Beach Village is 29.3 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View Sunrise Beach Village Mortgage Rates

See What You Can Afford in Sunrise Beach Village, Texas

Use this Sunrise Beach Village, Texas home affordability calculator to see how much house you can afford at today’s Texas average 30-year mortgage rate of 7.29%. A household earning the Sunrise Beach Village median income of $75,625, with no other debts and $131,000 down, can afford a home of about $324,258, compared with a median home value of $657,300. Buying the median priced home with 20% down takes a household income of about $192,700 once property tax and insurance are counted.

Sunrise Beach Village median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Texas average, 30-year fixed
Sunrise Beach Village median bill (Census)
Estimate; use your quote
You can afford a home up to
$324,258
Below the Sunrise Beach Village median home value of $657,300
Loan amount$193,258
Principal & interest$1,324/mo
Property tax$305/mo
Home insurance$135/mo
PMI$0/mo
Total monthly payment$1,765/mo
Compare Sunrise Beach Village Mortgage Rates

How much house can you afford in Sunrise Beach Village?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Sunrise Beach Village, property taxes run about 1.13% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $3,936 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Sunrise Beach Village

$3,603/mo
Principal & Interest
Median home, 20% down, 7.29%
$154,400
Income Needed
To keep principal and interest at 28% of income
$75,625
Median Household Income
Texas: $78,476
8.7x
Price-to-Income Ratio
Texas: 3.6x
$1,354/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$7,454/yr
Median Property Tax
1.13% of median value
21.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
60.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Sunrise Beach Village Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Sunrise Beach Village, Texas score: 69.9 (Significantly Less Affordable), ranked 1,217 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/sunrise-beach-village”