Florida Housing Affordability Index
Florida’s MBR Housing Affordability Index score is 92.2 (Near National Average) as of October 13, 2026, ranking 35th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $359,000 home in Florida with 20% down, the current 7.25% 30-year fixed rate means a monthly principal and interest payment of about $1,960, or 32% of the state’s $74,568 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) score for Florida 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 13, 2026, with Florida 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.
Florida Affordability Ranking
Florida 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 · Florida
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How Florida Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 31 states → | |||
| 32 | Virginia | 94.2 | Near National Average |
| 33 | Arizona | 93.1 | Near National Average |
| 34 | Montana | 92.5 | Near National Average |
| 35 | Florida You are here | 92.2 | Near National Average |
| 36 | Utah | 90.2 | Near National Average |
| 37 | Vermont | 89.5 | Moderately Less Affordable |
| 38 | Maryland | 89.2 | Moderately Less Affordable |
| ▼ See all 51 state rankings → | |||
Showing states ranked near Florida · October 13, 2026 • View complete national rankings →
Download Florida HAI Data
2026-10-13,FL,92.2,97.1,7.254
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · Florida
Ready-to-publish sentences using today's Florida 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 Florida score. Free for editorial use with attribution to MonitorBankRates.
In Florida, the MonitorBankRates (MBR) Housing Affordability Index stood at 92.2 on October 13, 2026, ranking #35 of 51 U.S. states for homeownership affordability and indicating near national average conditions relative to the national baseline. The state-level reading combines Florida's 30-year mortgage rate average of 7.254% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“Florida's MonitorBankRates (MBR) Housing Affordability Index score of 92.2 places it #35 of 51 nationwide. Below the 100 baseline, that means buyer purchasing power in Florida is weaker than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.254%, and the index tracks closely with the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. Florida: 92.2 (Near National Average), rank #35 of 51 states. 30-yr mortgage avg: 7.25%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/florida/
Housing affordability in Florida is currently sitting at 92.2 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #35 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, Florida's 30-year mortgage rate of 7.25% reflects near national average conditions for local buyers. The state tracks closely with the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for Florida homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The Florida MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: Florida metros, MSAs, or historical slices on request
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For our published citation history and recent media mentions, see MBR in the Press.
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