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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

Mary Esther, FL Housing Affordability Index

Mary Esther, Florida has an MBR Housing Affordability Index score of 110.9 (More Affordable Than Average) as of October 30, 2026, ranking 156th most affordable of 479 scored Florida cities, compared with 92.5 statewide and 97.4 nationally. On a median-priced $298,900 home with 20% down, the Florida average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $1,613, or 25% of the city’s $76,890 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Mary Esther 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.

Mary Esther MBR-HAI 110.9 More Affordable Than Average
Rank in Florida 156 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 $298,900 U.S. Census Bureau

Mary Esther is 18.4 points above the Florida score. Scores as of October 30, 2026. See the Florida index

View Mary Esther Mortgage Rates

What It Takes to Buy in Mary Esther

$1,613/mo
Principal & Interest
Median home, 20% down, 7.14%
$69,100
Income Needed
To keep the payment at 28% of income
$76,890
Median Household Income
Florida: $74,568
3.9x
Price-to-Income Ratio
Florida: 4.8x
$1,163/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,789/yr
Median Property Tax
0.60% of median value
33.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Mary Esther Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Mary Esther, Florida score: 110.9 (More Affordable Than Average), ranked 156 of 479 Florida cities. monitorbankrates.com/housing-affordability-index/florida/mary-esther”