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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

Plain City, UT Housing Affordability Index

Plain City, Utah has an MBR Housing Affordability Index score of 95.0 (Near National Average) as of October 30, 2026, ranking 167th most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $579,600 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $3,136, or 28% of the city’s $132,766 median household income.

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

Plain City MBR-HAI 95.0 Near National Average
Rank in Utah 167 of 253 1 = most affordable
Utah 90.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.16% Utah lenders
Median home value $579,600 U.S. Census Bureau

Plain City is 4.2 points above the Utah score. Scores as of October 30, 2026. See the Utah index

View Plain City Mortgage Rates

What It Takes to Buy in Plain City

$3,136/mo
Principal & Interest
Median home, 20% down, 7.16%
$134,400
Income Needed
To keep the payment at 28% of income
$132,766
Median Household Income
Utah: $95,166
4.4x
Price-to-Income Ratio
Utah: 5.1x
$1,864/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,115/yr
Median Property Tax
0.54% of median value
24.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Plain City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Plain City, Utah score: 95.0 (Near National Average), ranked 167 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/plain-city”