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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

Breaks, VA Housing Affordability Index

Breaks, Virginia has an MBR Housing Affordability Index score of 612.0 (Highly Affordable) as of October 30, 2026, ranking 1st most affordable of 344 scored Virginia cities, compared with 94.8 statewide and 97.4 nationally. On a median-priced $46,100 home with 20% down, the Virginia average 30-year fixed rate of 7.33% means a monthly principal and interest payment of about $254, or 2% of the city’s $125,938 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Breaks is updated every night from live Virginia 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.

Breaks MBR-HAI 612.0 Highly Affordable
Rank in Virginia 1 of 344 1 = most affordable
Virginia 94.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.33% Virginia lenders
Median home value $46,100 U.S. Census Bureau

Breaks is 517.2 points above the Virginia score. Scores as of October 30, 2026. See the Virginia index

View Breaks Mortgage Rates

What It Takes to Buy in Breaks

$254/mo
Principal & Interest
Median home, 20% down, 7.33%
$10,900
Income Needed
To keep the payment at 28% of income
$125,938
Median Household Income
Virginia: $93,170
0.4x
Price-to-Income Ratio
Virginia: 4.1x
$295/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,430/yr
Median Property Tax
Virginia figure
25.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Breaks Ranks in Virginia

Cities with similar scores
#1Breaks612.0
#2Pungoteague352.7 #3Sugar Grove286.8 #4Eggleston284.9
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Cite the Breaks Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Breaks, Virginia score: 612.0 (Highly Affordable), ranked 1 of 344 Virginia cities. monitorbankrates.com/housing-affordability-index/virginia/breaks”