District of Columbia Housing Affordability Index
District of Columbia’s MBR Housing Affordability Index score is 77.3 (Moderately Less Affordable) as of October 14, 2026, ranking 48th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $737,100 home in District of Columbia with 20% down, the current 7.49% 30-year fixed rate means a monthly principal and interest payment of about $4,119, or 45% of the state’s $109,870 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) 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. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 14, 2026, with District of Columbia outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
Free to reuse with the citation shown on the image.
District of Columbia Affordability Ranking
District of Columbia MBR-HAI · 90-Day Trend
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
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How District of Columbia Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 44 states → | |||
| 45 | Rhode Island | 80.7 | Moderately Less Affordable |
| 46 | New York | 79.7 | Moderately Less Affordable |
| 47 | Oregon | 77.8 | Moderately Less Affordable |
| 48 | Dist. of Columbia You are here | 77.3 | Moderately Less Affordable |
| 49 | Massachusetts | 76.1 | Moderately Less Affordable |
| 50 | Hawaii | 69.1 | Significantly Less Affordable |
| 51 | California | 67.3 | Significantly Less Affordable |
Showing states ranked near District of Columbia · October 14, 2026 • View complete national rankings →
Download District of Columbia HAI Data
2026-10-14,DC,77.3,97.1,7.489
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · District of Columbia
Ready-to-publish sentences using today's District of Columbia data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live District of Columbia score. Free for editorial use with attribution to MonitorBankRates.
In District of Columbia, the MonitorBankRates (MBR) Housing Affordability Index stood at 77.3 on October 14, 2026, ranking #48 of 51 U.S. states for homeownership affordability and indicating moderately less affordable conditions relative to the national baseline. The state-level reading combines District of Columbia's 30-year mortgage rate average of 7.489% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“District of Columbia's MonitorBankRates (MBR) Housing Affordability Index score of 77.3 places it #48 of 51 nationwide. Below the 100 baseline, that means buyer purchasing power in District of Columbia is weaker than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.489%, and the index lags the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. District of Columbia: 77.3 (Moderately Less Affordable), rank #48 of 51 states. 30-yr mortgage avg: 7.49%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/district-of-columbia/
Housing affordability in District of Columbia is currently sitting at 77.3 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #48 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, District of Columbia's 30-year mortgage rate of 7.49% reflects moderately less affordable conditions for local buyers. The state lags the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for District of Columbia homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The District of Columbia MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: District of Columbia metros, MSAs, or historical slices on request
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