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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

White Oak, TX Housing Affordability Index

White Oak, Texas has an MBR Housing Affordability Index score of 139.3 (Highly Affordable) as of October 30, 2026, ranking 439th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $235,000 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,288, or 15% of the city’s $101,027 median household income.

The MBR Housing Affordability Index (MBR-HAI) for White Oak 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.

White Oak MBR-HAI 139.3 Highly Affordable
Rank in Texas 439 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 $235,000 U.S. Census Bureau

White Oak is 40.1 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View White Oak Mortgage Rates

What It Takes to Buy in White Oak

$1,288/mo
Principal & Interest
Median home, 20% down, 7.29%
$55,200
Income Needed
To keep the payment at 28% of income
$101,027
Median Household Income
Texas: $78,476
2.3x
Price-to-Income Ratio
Texas: 3.6x
$1,239/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,497/yr
Median Property Tax
1.49% of median value
19.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
31.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the White Oak Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. White Oak, Texas score: 139.3 (Highly Affordable), ranked 439 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/white-oak”