District of Columbia Housing Affordability Index

Daily affordability score for District of Columbia compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

District of Columbia

95.5

Near National Average

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #42 of 51 states

vs. National Average -5.1 points

30-yr Rate Used 6.755%

Median Home Value $737,100

Median Household Income $109,870

View all state rankings →

District of Columbia Affordability Ranking

#42 of 51 states — April 10, 2026 Bottom 20% least affordable

Most Affordable Least Affordable

More affordable than: 9 of 51 states (18%)

Less affordable than: 41 of 51 states (80%)

MBR-HAI Score: 95.5 vs. national 100.6 (-5.1 points)

Nearby States

↑ 39 more affordable states above

#40 MD 97.6

#41 VT 97.3

#42 District of Columbia ◀ 95.5

#43 CT 95.5

#44 WA 94.2

↓ 7 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

District of Columbia MBR-HAI — 90-Day Trend

District of Columbia

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — District of Columbia

$737,100

Median Home Value

U.S. median: varies by state

$109,870

Median Household Income

U.S. median: $80,734

6.7x

Price-to-Income Ratio

Home value ÷ income

$2,594/mo

Median Owner Costs

28.3% of income annually

$3,641/yr

Median Property Tax

0.49% effective rate

40.1%

Homeownership Rate

U.S. average: 65.7%

25.1%

Owner Cost Burden

% spending 30%+ of income on housing

6.755%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How District of Columbia Ranks Among All States

#42

of 51 states

Least Affordable Most Affordable

District of Columbia is more affordable than 18% of U.S. states — Near National Average

95.5

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 38 states →
39	Colorado	98.4	Near National Average
40	Maryland	97.6	Near National Average
41	Vermont	97.3	Near National Average
42	Dist. of Columbia You are here	95.5	Near National Average
43	Connecticut	95.5	Near National Average
44	Washington	94.2	Near National Average
45	New Hampshire	94.1	Near National Average
▼ See all 51 state rankings →

Showing states ranked near District of Columbia — April 10, 2026 • View complete national rankings →

Download District of Columbia HAI Data

District of Columbia History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-11,DC,95.5,100.6,6.755                

Download DC History (CSV)

All 51 States (CSV)

Compare District of Columbia to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how District of Columbia ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

District of Columbia Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in District of Columbia.