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District of Columbia Housing Affordability Index | MonitorBankRates (MBR-HAI)

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
78.7
Moderately Less Affordable
MBR-HAI • May 27, 2026
0 vs. prior day
National Average
100.0
Near National Average
MBR-HAI • May 27, 2026
0 vs. prior day
National Rank #48 of 51 states
vs. National Average -21.3 points
30-yr Rate Used 6.730%
Median Home Value $737,100
Median Household Income $109,870
Jump to: District of Columbia Rank 90-Day Trend Affordability Factors vs. Other States Download Data Press & Citations

District of Columbia Affordability Ranking

#48 of 51 states · May 27, 2026 Bottom 20% least affordable
Most Affordable Least Affordable
More affordable than: 3 of 51 states (6%)
Less affordable than: 47 of 51 states (92%)
MBR-HAI Score: 78.7 vs. national 100.0 (-21.3 points)
Nearby States
↑ 45 more affordable states above
#46 NY 81.9
#47 OR 79.7
#48 District of Columbia ◀ 78.7
#49 MA 77.8
#50 HI 70.7
↓ 1 less affordable state below
Top 5 Most Affordable
#1 WV 148.1
#2 AR 139.9
#3 AL 137.2
#4 MS 134.6
#5 IA 130.5
Bottom 5 Least Affordable
#47 OR 79.7
#48 DC ◀ 78.7
#49 MA 77.8
#50 HI 70.7
#51 CA 68.4

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
6.730%
30-yr Mortgage Rate
State average • May 27, 2026

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

#48
of 51 states
Least Affordable Most Affordable
District of Columbia is more affordable than 6% of U.S. states, Moderately Less Affordable
78.7
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 44 states →
45 Rhode Island 83.3 Moderately Less Affordable
46 New York 81.9 Moderately Less Affordable
47 Oregon 79.7 Moderately Less Affordable
48 Dist. of Columbia You are here 78.7 Moderately Less Affordable
49 Massachusetts 77.8 Moderately Less Affordable
50 Hawaii 70.7 Moderately Less Affordable
51 California 68.4 Significantly Less Affordable

Showing states ranked near District of Columbia · May 27, 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
2026-05-27,DC,78.7,100.0,6.730
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)
Cite the District of Columbia MBR-HAI
Editorial / press citation
“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, May 27, 2026. District of Columbia score: 78.7 (Moderately Less Affordable), ranked #48 of 51 states. Methodology: monitorbankrates.com/housing-affordability-index-methodology”
APA 7th edition (academic)
Monitor Bank Rates LLC. (2026, May 27). MonitorBankRates (MBR) Housing Affordability Index: District of Columbia [Data set]. https://www.monitorbankrates.com/housing-affordability-index/district-of-columbia/

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.

News Lead · AP-style, factual

In District of Columbia, the MonitorBankRates (MBR) Housing Affordability Index stood at 78.7 on May 27, 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 6.730% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.

Analyst Quote · with voice, attributable

“District of Columbia's MonitorBankRates (MBR) Housing Affordability Index score of 78.7 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 6.730%, and the index lags the national average.”

Brian McKay, MonitorBankRates

Social Media · concise, share-friendly

🏠 MonitorBankRates (MBR) Housing Affordability Index. District of Columbia: 78.7 (Moderately Less Affordable), rank #48 of 51 states. 30-yr mortgage avg: 6.73%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/district-of-columbia/

Casual / Blog · conversational

Housing affordability in District of Columbia is currently sitting at 78.7 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 6.73% 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.

SubjectHousing affordability snapshot for District of Columbia: what it means for your search
Hi [Client Name], Wanted to share a quick affordability snapshot for District of Columbia from the MonitorBankRates (MBR) Housing Affordability Index, a daily-updated composite that tracks how affordable U.S. homeownership is right now. District of Columbia's current reading: 78.7 (Moderately Less Affordable), rank #48 of 51 states National reading: 100.030-year mortgage rate average in District of Columbia: 6.730% The index baseline of 100 represents long-run typical conditions at a 6.5% reference rate. District of Columbia currently lags the national average. For full state context (including the 90-day trend, key affordability factors, and how District of Columbia compares to neighboring states) see: https://www.monitorbankrates.com/housing-affordability-index/district-of-columbia/ Always happy to discuss what this means for your specific situation. Best, [Your Name]

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
  • Embargo-friendly releases: give us 24 hours notice for scheduled coverage
  • Background interviews: methodology, market context, or commentary on rate moves
  • Direct contact: contact form or reply to any address listed there

For our published citation history and recent media mentions, see MBR in the Press.