Bear River City, UT Housing Affordability Index
Bear River City, Utah has an MBR Housing Affordability Index score of 108.1 (Near National Average) as of October 30, 2026, ranking 91st most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $433,100 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $2,343, or 29% of the city’s $97,895 median household income.
The MBR Housing Affordability Index (MBR-HAI) for Bear River City is updated every night from live Utah 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.
Bear River City is 17.4 points above the Utah score. Scores as of October 30, 2026. See the Utah index
View Bear River City Mortgage RatesSee What You Can Afford in Bear River City, Utah
Use this Bear River City, Utah home affordability calculator to see how much house you can afford at today’s Utah average 30-year mortgage rate of 7.16%. A household earning the Bear River City median income of $97,895, with no other debts and $87,000 down, can afford a home of about $382,781, compared with a median home value of $433,100. Buying the median priced home with 20% down takes a household income of about $114,200 once property tax and insurance are counted.
| Loan amount | $295,781 |
| Principal & interest | $2,000/mo |
| Property tax | $124/mo |
| Home insurance | $159/mo |
| PMI | $0/mo |
| Total monthly payment | $2,284/mo |
How much house can you afford in Bear River City?
Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.
In Bear River City, property taxes run about 0.39% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $6,545 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.
What It Takes to Buy in Bear River City
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bear River City, Utah. The rate is the Utah average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How Bear River City Ranks in Utah
Cite the Bear River City Score
Explore Further
Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
