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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

Woodcreek, TX Housing Affordability Index

Woodcreek, Texas has an MBR Housing Affordability Index score of 78.5 (Moderately Less Affordable) as of October 30, 2026, ranking 1197th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $425,600 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $2,333, or 38% of the city’s $74,107 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Woodcreek 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.

Woodcreek MBR-HAI 78.5 Moderately Less Affordable
Rank in Texas 1,197 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 $425,600 U.S. Census Bureau

Woodcreek is 20.7 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View Woodcreek Mortgage Rates

What It Takes to Buy in Woodcreek

$2,333/mo
Principal & Interest
Median home, 20% down, 7.29%
$100,000
Income Needed
To keep the payment at 28% of income
$74,107
Median Household Income
Texas: $78,476
5.7x
Price-to-Income Ratio
Texas: 3.6x
$1,603/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,455/yr
Median Property Tax
1.28% of median value
25.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
63.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Woodcreek Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Woodcreek, Texas score: 78.5 (Moderately Less Affordable), ranked 1,197 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/woodcreek”