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

Valley Mills, TX Housing Affordability Index

Valley Mills, Texas has an MBR Housing Affordability Index score of 110.1 (More Affordable Than Average) as of October 30, 2026, ranking 828th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $176,200 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $966, or 22% of the city’s $51,607 median household income.

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

Valley Mills MBR-HAI 110.1 More Affordable Than Average
Rank in Texas 828 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 $176,200 U.S. Census Bureau

Valley Mills is 10.9 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Valley Mills Mortgage Rates

What It Takes to Buy in Valley Mills

$966/mo
Principal & Interest
Median home, 20% down, 7.29%
$41,400
Income Needed
To keep the payment at 28% of income
$51,607
Median Household Income
Texas: $78,476
3.4x
Price-to-Income Ratio
Texas: 3.6x
$777/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,207/yr
Median Property Tax
1.25% of median value
26.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
79.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Valley Mills Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Valley Mills, Texas score: 110.1 (More Affordable Than Average), ranked 828 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/valley-mills”