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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

West Point, VA Housing Affordability Index

West Point, Virginia has an MBR Housing Affordability Index score of 114.2 (More Affordable Than Average) as of October 30, 2026, ranking 176th most affordable of 344 scored Virginia cities, compared with 94.8 statewide and 97.4 nationally. On a median-priced $286,800 home with 20% down, the Virginia average 30-year fixed rate of 7.33% means a monthly principal and interest payment of about $1,578, or 24% of the city’s $78,785 median household income.

The MBR Housing Affordability Index (MBR-HAI) for West Point 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.

West Point MBR-HAI 114.2 More Affordable Than Average
Rank in Virginia 176 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 $286,800 U.S. Census Bureau

West Point is 19.4 points above the Virginia score. Scores as of October 30, 2026. See the Virginia index

View West Point Mortgage Rates

What It Takes to Buy in West Point

$1,578/mo
Principal & Interest
Median home, 20% down, 7.33%
$67,600
Income Needed
To keep the payment at 28% of income
$78,785
Median Household Income
Virginia: $93,170
3.6x
Price-to-Income Ratio
Virginia: 4.1x
$960/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,734/yr
Median Property Tax
0.60% of median value
17.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
54.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the West Point Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. West Point, Virginia score: 114.2 (More Affordable Than Average), ranked 176 of 344 Virginia cities. monitorbankrates.com/housing-affordability-index/virginia/west-point”