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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

Clinchco, VA Housing Affordability Index

Clinchco, Virginia has an MBR Housing Affordability Index score of 252.1 (Highly Affordable) as of October 30, 2026, ranking 8th most affordable of 344 scored Virginia cities, compared with 94.8 statewide and 97.4 nationally. On a median-priced $40,900 home with 20% down, the Virginia average 30-year fixed rate of 7.33% means a monthly principal and interest payment of about $225, or 6% of the city’s $42,000 median household income.

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

Clinchco MBR-HAI 252.1 Highly Affordable
Rank in Virginia 8 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 $40,900 U.S. Census Bureau

Clinchco is 157.3 points above the Virginia score. Scores as of October 30, 2026. See the Virginia index

View Clinchco Mortgage Rates

What It Takes to Buy in Clinchco

$225/mo
Principal & Interest
Median home, 20% down, 7.33%
$9,600
Income Needed
To keep the payment at 28% of income
$42,000
Median Household Income
Virginia: $93,170
1.0x
Price-to-Income Ratio
Virginia: 4.1x
$291/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,430/yr
Median Property Tax
Virginia figure
20.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Clinchco Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Clinchco, Virginia score: 252.1 (Highly Affordable), ranked 8 of 344 Virginia cities. monitorbankrates.com/housing-affordability-index/virginia/clinchco”