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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

Pine Bluffs, WY Housing Affordability Index

Pine Bluffs, Wyoming has an MBR Housing Affordability Index score of 89.2 (Moderately Less Affordable) as of October 30, 2026, ranking 89th most affordable of 98 scored Wyoming cities, compared with 103.1 statewide and 97.4 nationally. On a median-priced $338,000 home with 20% down, the Wyoming average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,846, or 33% of the city’s $67,905 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Pine Bluffs is updated every night from live Wyoming 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.

Pine Bluffs MBR-HAI 89.2 Moderately Less Affordable
Rank in Wyoming 89 of 98 1 = most affordable
Wyoming 103.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% Wyoming lenders
Median home value $338,000 U.S. Census Bureau

Pine Bluffs is 14.0 points below the Wyoming score. Scores as of October 30, 2026. See the Wyoming index

View Pine Bluffs Mortgage Rates

What It Takes to Buy in Pine Bluffs

$1,846/mo
Principal & Interest
Median home, 20% down, 7.26%
$79,100
Income Needed
To keep the payment at 28% of income
$67,905
Median Household Income
Wyoming: $76,176
5.0x
Price-to-Income Ratio
Wyoming: 4.1x
$1,506/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,778/yr
Median Property Tax
0.53% of median value
53.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
35.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Pine Bluffs Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Pine Bluffs, Wyoming score: 89.2 (Moderately Less Affordable), ranked 89 of 98 Wyoming cities. monitorbankrates.com/housing-affordability-index/wyoming/pine-bluffs”