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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

Anna Maria, FL Housing Affordability Index

Anna Maria, Florida has an MBR Housing Affordability Index score of 53.4 (Significantly Less Affordable) as of October 30, 2026, ranking 478th most affordable of 479 scored Florida cities, compared with 92.5 statewide and 97.4 nationally. On a median-priced $1,358,700 home with 20% down, a jumbo loan at 7.39% means a monthly principal and interest payment of about $7,518, or 87% of the city’s $103,703 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Anna Maria is updated every night from live Florida 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.

Anna Maria MBR-HAI 53.4 Significantly Less Affordable
Rank in Florida 478 of 479 1 = most affordable
Florida 92.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.14% Florida lenders
Median home value $1,358,700 U.S. Census Bureau

Anna Maria is 39.2 points below the Florida score. Scores as of October 30, 2026. See the Florida index

View Anna Maria Mortgage Rates

What It Takes to Buy in Anna Maria

$7,518/mo
Principal & Interest
Median home, 20% down, 7.39% jumbo
$322,200
Income Needed
To keep the payment at 28% of income
$103,703
Median Household Income
Florida: $74,568
13.1x
Price-to-Income Ratio
Florida: 4.8x
$3,133/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$9,639/yr
Median Property Tax
0.71% of median value
63.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Anna Maria, Florida. The rate is the Florida average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Anna Maria Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Anna Maria, Florida score: 53.4 (Significantly Less Affordable), ranked 478 of 479 Florida cities. monitorbankrates.com/housing-affordability-index/florida/anna-maria”