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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

Keysville, VA Housing Affordability Index

Keysville, Virginia has an MBR Housing Affordability Index score of 113.7 (More Affordable Than Average) as of October 30, 2026, ranking 179th most affordable of 344 scored Virginia cities, compared with 94.8 statewide and 97.4 nationally. On a median-priced $161,100 home with 20% down, the Virginia average 30-year fixed rate of 7.33% means a monthly principal and interest payment of about $886, or 34% of the city’s $31,442 median household income.

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

Keysville MBR-HAI 113.7 More Affordable Than Average
Rank in Virginia 179 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 $161,100 U.S. Census Bureau

Keysville is 18.9 points above the Virginia score. Scores as of October 30, 2026. See the Virginia index

View Keysville Mortgage Rates

What It Takes to Buy in Keysville

$886/mo
Principal & Interest
Median home, 20% down, 7.33%
$38,000
Income Needed
To keep the payment at 28% of income
$31,442
Median Household Income
Virginia: $93,170
5.1x
Price-to-Income Ratio
Virginia: 4.1x
$921/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$692/yr
Median Property Tax
0.43% of median value
16.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
65.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Keysville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Keysville, Virginia score: 113.7 (More Affordable Than Average), ranked 179 of 344 Virginia cities. monitorbankrates.com/housing-affordability-index/virginia/keysville”