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

Walnut Springs, TX Housing Affordability Index

Walnut Springs, Texas has an MBR Housing Affordability Index score of 146.2 (Highly Affordable) as of October 30, 2026, ranking 400th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $81,700 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $448, or 17% of the city’s $31,667 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Walnut Springs 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.

Walnut Springs MBR-HAI 146.2 Highly Affordable
Rank in Texas 400 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 $81,700 U.S. Census Bureau

Walnut Springs is 47.0 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Walnut Springs Mortgage Rates

What It Takes to Buy in Walnut Springs

$448/mo
Principal & Interest
Median home, 20% down, 7.29%
$19,200
Income Needed
To keep the payment at 28% of income
$31,667
Median Household Income
Texas: $78,476
2.6x
Price-to-Income Ratio
Texas: 3.6x
$535/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$780/yr
Median Property Tax
0.95% of median value
49.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
59.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Walnut Springs Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Walnut Springs, Texas score: 146.2 (Highly Affordable), ranked 400 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/walnut-springs”