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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

Louisa, VA Housing Affordability Index

Louisa, Virginia has an MBR Housing Affordability Index score of 87.5 (Moderately Less Affordable) as of October 30, 2026, ranking 307th most affordable of 344 scored Virginia cities, compared with 94.8 statewide and 97.4 nationally. On a median-priced $344,100 home with 20% down, the Virginia average 30-year fixed rate of 7.33% means a monthly principal and interest payment of about $1,893, or 35% of the city’s $65,132 median household income.

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

Louisa MBR-HAI 87.5 Moderately Less Affordable
Rank in Virginia 307 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 $344,100 U.S. Census Bureau

Louisa is 7.3 points below the Virginia score. Scores as of October 30, 2026. See the Virginia index

View Louisa Mortgage Rates

What It Takes to Buy in Louisa

$1,893/mo
Principal & Interest
Median home, 20% down, 7.33%
$81,100
Income Needed
To keep the payment at 28% of income
$65,132
Median Household Income
Virginia: $93,170
5.3x
Price-to-Income Ratio
Virginia: 4.1x
$1,621/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,010/yr
Median Property Tax
0.58% of median value
22.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Louisa Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Louisa, Virginia score: 87.5 (Moderately Less Affordable), ranked 307 of 344 Virginia cities. monitorbankrates.com/housing-affordability-index/virginia/louisa”