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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

Woodruff, UT Housing Affordability Index

Woodruff, Utah has an MBR Housing Affordability Index score of 143.1 (Highly Affordable) as of October 30, 2026, ranking 22nd most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $231,000 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $1,250, or 24% of the city’s $63,750 median household income.

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

Woodruff MBR-HAI 143.1 Highly Affordable
Rank in Utah 22 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 $231,000 U.S. Census Bureau

Woodruff is 52.4 points above the Utah score. Scores as of October 30, 2026. See the Utah index

View Woodruff Mortgage Rates

What It Takes to Buy in Woodruff

$1,250/mo
Principal & Interest
Median home, 20% down, 7.16%
$53,600
Income Needed
To keep the payment at 28% of income
$63,750
Median Household Income
Utah: $95,166
3.6x
Price-to-Income Ratio
Utah: 5.1x
$826/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$579/yr
Median Property Tax
0.25% of median value
22.1%
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 Woodruff, Utah. The rate is the Utah average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Woodruff Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Woodruff, Utah score: 143.1 (Highly Affordable), ranked 22 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/woodruff”