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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

Lincoln, DE Housing Affordability Index

Lincoln, Delaware has an MBR Housing Affordability Index score of 146.1 (Highly Affordable) as of October 30, 2026, ranking 6th most affordable of 59 scored Delaware cities, compared with 103.6 statewide and 97.4 nationally. On a median-priced $262,100 home with 20% down, the Delaware average 30-year fixed rate of 7.37% means a monthly principal and interest payment of about $1,447, or 16% of the city’s $107,690 median household income.

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

Lincoln MBR-HAI 146.1 Highly Affordable
Rank in Delaware 6 of 59 1 = most affordable
Delaware 103.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.37% Delaware lenders
Median home value $262,100 U.S. Census Bureau

Lincoln is 42.4 points above the Delaware score. Scores as of October 30, 2026. See the Delaware index

View Lincoln Mortgage Rates

What It Takes to Buy in Lincoln

$1,447/mo
Principal & Interest
Median home, 20% down, 7.37%
$62,000
Income Needed
To keep the payment at 28% of income
$107,690
Median Household Income
Delaware: $84,954
2.4x
Price-to-Income Ratio
Delaware: 4.1x
$975/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,612/yr
Median Property Tax
0.62% of median value
25.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Lincoln Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lincoln, Delaware score: 146.1 (Highly Affordable), ranked 6 of 59 Delaware cities. monitorbankrates.com/housing-affordability-index/delaware/lincoln”