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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

Ritzville, WA Housing Affordability Index

Ritzville, Washington has an MBR Housing Affordability Index score of 104.6 (Near National Average) as of October 30, 2026, ranking 102nd most affordable of 347 scored Washington cities, compared with 82.2 statewide and 97.4 nationally. On a median-priced $227,000 home with 20% down, the Washington average 30-year fixed rate of 7.32% means a monthly principal and interest payment of about $1,247, or 27% of the city’s $56,442 median household income.

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

Ritzville MBR-HAI 104.6 Near National Average
Rank in Washington 102 of 347 1 = most affordable
Washington 82.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.32% Washington lenders
Median home value $227,000 U.S. Census Bureau

Ritzville is 22.4 points above the Washington score. Scores as of October 30, 2026. See the Washington index

View Ritzville Mortgage Rates

What It Takes to Buy in Ritzville

$1,247/mo
Principal & Interest
Median home, 20% down, 7.32%
$53,400
Income Needed
To keep the payment at 28% of income
$56,442
Median Household Income
Washington: $98,141
4.0x
Price-to-Income Ratio
Washington: 5.8x
$968/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,138/yr
Median Property Tax
0.94% of median value
35.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Ritzville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Ritzville, Washington score: 104.6 (Near National Average), ranked 102 of 347 Washington cities. monitorbankrates.com/housing-affordability-index/washington/ritzville”