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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

Bay Lake, FL Housing Affordability Index

Bay Lake, Florida has an MBR Housing Affordability Index score of 380.3 (Highly Affordable) as of October 30, 2026, ranking 2nd most affordable of 479 scored Florida cities, compared with 92.5 statewide and 97.4 nationally. On a median-priced $106,300 home with 20% down, the Florida average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $574, or 5% of the city’s $152,500 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bay Lake 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.

Bay Lake MBR-HAI 380.3 Highly Affordable
Rank in Florida 2 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 $106,300 U.S. Census Bureau

Bay Lake is 287.8 points above the Florida score. Scores as of October 30, 2026. See the Florida index

View Bay Lake Mortgage Rates

What It Takes to Buy in Bay Lake

$574/mo
Principal & Interest
Median home, 20% down, 7.14%
$24,600
Income Needed
To keep the payment at 28% of income
$152,500
Median Household Income
Florida: $74,568
0.7x
Price-to-Income Ratio
Florida: 4.8x
$400/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,993/yr
Median Property Tax
Florida figure
35.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
58.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bay Lake, Florida. The rate is the Florida average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Bay Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bay Lake, Florida score: 380.3 (Highly Affordable), ranked 2 of 479 Florida cities. monitorbankrates.com/housing-affordability-index/florida/bay-lake”