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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

West Lake Hills, TX Housing Affordability Index

West Lake Hills, Texas has an MBR Housing Affordability Index score of 67.4 (Significantly Less Affordable) as of October 30, 2026, ranking 1221st most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $1,664,500 home with 20% down, a jumbo loan at 7.54% means a monthly principal and interest payment of about $9,351, or 57% of the city’s $198,125 median household income.

The MBR Housing Affordability Index (MBR-HAI) for West Lake Hills 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.

West Lake Hills MBR-HAI 67.4 Significantly Less Affordable
Rank in Texas 1,221 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 $1,664,500 U.S. Census Bureau

West Lake Hills is 31.8 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View West Lake Hills Mortgage Rates

What It Takes to Buy in West Lake Hills

$9,351/mo
Principal & Interest
Median home, 20% down, 7.54% jumbo
$400,800
Income Needed
To keep the payment at 28% of income
$198,125
Median Household Income
Texas: $78,476
8.4x
Price-to-Income Ratio
Texas: 3.6x
$4,010/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,327/yr
Median Property Tax
Texas figure
36.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for West Lake Hills, 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 West Lake Hills Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. West Lake Hills, Texas score: 67.4 (Significantly Less Affordable), ranked 1,221 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/west-lake-hills”