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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 See your state’s current score

Florida Housing Affordability Index | MonitorBankRates (MBR-HAI)

Florida Housing Affordability Index

Florida’s MBR Housing Affordability Index score is 92.5 (Near National Average) as of October 30, 2026, ranking 35th most affordable of 51 states, compared with a national score of 97.4. On a median-priced $359,000 home in Florida with 20% down, the current 7.14% 30-year fixed rate means a monthly principal and interest payment of about $1,938, or 31% 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.

Florida MBR-HAI 92.5 Near National Average

National 97.4 Near National Average

Rank 35 of 51 1 = most affordable

Avg 30-yr rate 7.14% Florida lenders

Median home value $359,000 U.S. Census Bureau

Median income $74,568 U.S. Census Bureau

National 97.4 Florida 92.5

Less affordable100 = national baselineMore affordable

Florida is 4.9 points below the national score. Scores as of October 30, 2026, unchanged from the prior day. View all state rankings

View Florida Mortgage Rates

Jump to: State Map Florida Rank Florida Cities 90-Day Trend Affordability Factors vs. Other States Download Data Press & Citations

Housing Affordability Across U.S. States

MBR-HAI score for every state as of October 30, 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.

Highly Affordable (120+) More Affordable (110-119) Near Average (90-109) Moderately Less (70-89) Significantly Less (50-69) Least Affordable (under 50)

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.

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Florida Affordability Ranking

#35 of 51 states · October 30, 2026 Less affordable than average

Most Affordable Least Affordable

More affordable than: 16 of 51 states (31%)

Less affordable than: 34 of 51 states (67%)

MBR-HAI Score: 92.5 vs. national 97.4 (-4.9 points)

Nearby States

↑ 32 more affordable states above

#33 AZ 93.6

#34 MT 92.8

#35 Florida ◀ 92.5

#36 UT 90.8

#37 VT 89.8

↓ 14 less affordable states below

Top 5 Most Affordable

#1 WV 145.2

#2 AR 135.7

#3 AL 134.1

#4 MS 131.1

#5 IA 126.4

Bottom 5 Least Affordable

#47 OR 78.0

#48 DC 77.6

#49 MA 76.0

#50 HI 69.3

#51 CA 67.5

View full 51-state rankings →

Florida Cities Ranked by Housing Affordability

MBR-HAI scores for 479 Florida cities as of October 30, 2026, from most to least affordable. Each score uses the city’s Census income, home value and housing costs with the Florida average 30-year rate. Select a city for its full breakdown.

#1 Otter Creek 474.6 #2 Bay Lake 380.3 #3 Greenville 285.9 #4 Jacob City 283.3 #5 Lake Buena Vista 279.3 #6 Campbellton 247.8 #7 Silver Springs 241.3 #8 Hosford 239.2 #9 Bascom 238.8 #10 Noma 238.2 #11 Westville 230.5 #12 Grand Ridge 230.4 #13 Harold 209.9 #14 Bushnell 206.9 #15 Malone 203.8 #16 Laurel Hill 196.9 #17 Lee 195.1 #18 Chattahoochee 193.5 #19 Hillcrest Heights 187.0 #20 Greenwood 186.8 #21 Zolfo Springs 185.1 #22 Jasper 183.8 #23 Cross City 178.5 #24 Altha 175.7 #25 Bell 167.7 #26 Crystal Springs 166.5 #27 White Springs 164.1 #28 Astor 161.2 #29 Moore Haven 160.4 #30 Esto 159.6 #31 Ebro 158.9 #32 Inglis 158.7 #33 Cottondale 158.4 #34 Century 156.4 #35 Bristol 151.7 #36 Greensboro 150.6 #37 Wausau 150.3 #38 Lake Butler 148.6 #39 Alturas 148.1 #40 Paisley 148.0 #41 Graceville 147.9 #42 Zellwood 147.9 #43 Pembroke Park 147.8 #44 Newberry 146.1 #45 Bagdad 145.7 #46 Bronson 145.0 #47 Paxton 144.7 #48 Brooker 144.4 #49 Sneads 143.6 #50 Fellsmere 143.4 #51 Hampton 143.3 #52 Bowling Green 142.8 #53 Live Oak 142.4 #54 Lake Panasoffkee 141.2 #55 Myrtle Grove 140.0 #56 Parker 138.6 #57 Eastpoint 137.0 #58 Woodville 137.0 #59 Homeland 136.7 #60 Homosassa Springs 136.6 #61 Okahumpka 136.1 #62 Brooksville 135.8 #63 Wabasso 135.7 #64 Micanopy 135.4 #65 Christmas 135.1 #66 Beverly Hills 134.5 #67 Milton 133.6 #68 Chokoloskee 133.4 #69 Medley 133.3 #70 Keystone Heights 133.2 #71 Vernon 132.6 #72 Mulberry 132.1 #73 Panacea 130.9 #74 Babson Park 130.8 #75 Mayo 130.8 #76 Branford 130.0 #77 Quincy 130.0 #78 Webster 130.0 #79 Havana 129.5 #80 Seville 129.4 #81 Marianna 129.4 #82 Blountstown 129.2 #83 Pahokee 127.9 #84 Waldo 127.8 #85 Floral City 127.7 #86 Interlachen 127.1 #87 Madison 126.8 #88 Lake Helen 126.7 #89 Indian Lake Estates 126.0 #90 Hawthorne 125.4 #91 Coleman 125.3 #92 South Bay 125.1 #93 North Fort Myers 124.8 #94 Balm 124.7 #95 Chipley 124.3 #96 Crawfordville 124.2 #97 Elfers 124.1 #98 Gretna 124.0 #99 Center Hill 123.9 #100 Umatilla 123.7 #101 De Leon Springs 123.6 #102 Aripeka 123.3 #103 Middleburg 123.1 #104 Jennings 122.1 #105 Springfield 121.9 #106 Lawtey 121.7 #107 Worthington Springs 121.6 #108 Okeechobee 121.4 #109 Belle Glade 121.2 #110 Lake City 121.0 #111 Dade City 121.0 #112 Indiantown 120.7 #113 Wauchula 120.3 #114 Fanning Springs 120.1 #115 Bonifay 119.7 #116 Molino 119.5 #117 Cloud Lake 119.4 #118 Holiday 119.3 #119 Fort White 119.0 #120 Malabar 118.4 #121 Macclenny 118.1 #122 Baldwin 118.1 #123 Bartow 117.9 #124 Gonzalez 117.8 #125 Melbourne Village 117.6 #126 Kathleen 117.6 #127 Jay 117.6 #128 Mims 117.3 #129 Ocean Breeze 117.0 #130 Ellenton 116.7 #131 Pomona Park 116.5 #132 Ocklawaha 116.2 #133 Trenton 116.0 #134 Perry 116.0 #135 Hilliard 115.6 #136 Yulee 114.5 #137 Lake Clarke Shores 114.5 #138 Holly Hill 114.4 #139 Callaway 114.3 #140 Frostproof 114.1 #141 Inverness 113.9 #142 Astatula 113.4 #143 Orange Park 113.2 #144 Carrabelle 113.2 #145 Yalaha 113.0 #146 Starke 112.2 #147 East Palatka 112.1 #148 Briny Breezes 112.1 #149 Belleview 112.0 #150 High Springs 112.0 #151 Auburndale 111.8 #152 Alachua 111.7 #153 Immokalee 111.6 #154 Memphis 111.1 #155 Avon Park 111.0 #156 Mary Esther 110.9 #157 New Port Richey 110.7 #158 Layton 110.3 #159 Hypoluxo 109.7 #160 Seffner 109.5 #161 Deltona 109.5 #162 Cocoa 109.4 #163 Arcadia 109.3 #164 Lake Alfred 109.2 #165 San Antonio 109.2 #166 McIntosh 108.6 #167 Largo 108.6 #168 Bay Pines 108.3 #169 Sopchoppy 108.3 #170 Palm Bay 108.1 #171 Lynn Haven 108.0 #172 Palm Shores 107.9 #173 Lakeland 107.9 #174 Mascotte 107.5 #175 Tangerine 107.5 #176 Midway 107.4 #177 Sharpes 107.4 #178 Titusville 107.2 #179 Groveland 107.1 #180 Nokomis 107.0 #181 Pierson 106.9 #182 Wewahitchka 106.9 #183 Palm River-Clair Mel 106.8 #184 Valrico 106.4 #185 Highland City 106.4 #186 Geneva 106.3 #187 Sebring 106.1 #188 Oakland 106.0 #189 Highland Beach 105.9 #190 South Daytona 105.5 #191 Polk City 105.4 #192 Minneola 105.4 #193 Eagle Lake 105.3 #194 Hernando 105.3 #195 Dunnellon 105.2 #196 Rockledge 105.1 #197 Zephyrhills 104.7 #198 West Melbourne 104.6 #199 Penney Farms 104.3 #200 Spring Hill 104.3 #201 Sewall's Point 104.3 #202 Highland Park 104.2 #203 Kenneth City 104.0 #204 Loxahatchee Groves 103.9 #205 Lecanto 103.9 #206 Gibsonton 103.9 #207 Archer 103.9 #208 Merritt Island 103.6 #209 Edgewater 103.5 #210 Cape Coral 103.0 #211 Williston 103.0 #212 Safety Harbor 102.9 #213 Clewiston 102.8 #214 Eustis 102.8 #215 Winter Springs 102.7 #216 Lutz 102.4 #217 Pensacola 102.4 #218 Leesburg 102.2 #219 Heathrow 102.1 #220 Sebastian 102.1 #221 North Port 101.9 #222 Oviedo 101.8 #223 Alva 101.7 #224 Glen Ridge 101.7 #225 Oak Hill 101.5 #226 Apollo Beach 101.5 #227 Pinellas Park 101.3 #228 Riverview 101.3 #229 Jacksonville 101.3 #230 Satellite Beach 101.3 #231 Port Orange 101.1 #232 Port Charlotte 100.9 #233 Ocala 100.8 #234 Cinco Bayou 100.8 #235 Panama City 100.8 #236 Lehigh Acres 100.5 #237 St. Leo 100.4 #238 Lake Wales 100.4 #239 Fort Meade 100.4 #240 Brandon 100.3 #241 Tavares 100.3 #242 Plant City 100.2 #243 Niceville 100.1 #244 Crestview 100.0 #245 Shalimar 99.9 #246 Englewood 99.7 #247 Odessa 99.7 #248 Apopka 99.7 #249 Lake Hamilton 99.7 #250 Bokeelia 99.5 #251 Monticello 99.5 #252 Montverde 99.3 #253 Oldsmar 99.3 #254 Roseland 99.3 #255 Grant-Valkaria 99.2 #256 Thonotosassa 99.1 #257 Valparaiso 99.0 #258 Seminole 98.7 #259 Greenacres 98.6 #260 Estero 98.4 #261 Ocoee 98.4 #262 Hunters Creek 98.2 #263 Lake Mary 98.0 #264 Freeport 97.8 #265 South Palm Beach 97.7 #266 Altamonte Springs 97.6 #267 Green Cove Springs 97.5 #268 Melbourne 97.4 #269 Palm Coast 97.3 #270 Fort Walton Beach 96.9 #271 Ruskin 96.7 #272 Palm City 96.5 #273 Sun City Center 96.5 #274 Longwood 96.4 #275 Lauderdale Lakes 96.1 #276 Welaka 96.0 #277 Scottsmoor 95.9 #278 The Villages 95.8 #279 Indian Harbour Beach 95.7 #280 Casselberry 95.6 #281 Tarpon Springs 95.6 #282 Callahan 95.6 #283 Coconut Creek 95.5 #284 Crescent City 95.5 #285 Temple Terrace 95.5 #286 Fruitland Park 95.4 #287 Palm Springs 95.3 #288 Mango 95.1 #289 Palatka 95.0 #290 Winter Haven 94.9 #291 Jacksonville Beach 94.7 #292 Cape Canaveral 94.7 #293 Dover 94.6 #294 Winter Garden 94.6 #295 Orange City 94.5 #296 Plantation 94.3 #297 Hudson 94.3 #298 Laurel 94.2 #299 New Smyrna Beach 94.2 #300 Royal Palm Beach 93.9 #301 Lake Placid 93.6 #302 Pineland 93.6 #303 Grove City 93.4 #304 Cortez 93.3 #305 Fort Myers 93.1 #306 Nocatee 93.0 #307 Big Pine Key 92.6 #308 Haines City 92.6 #309 Palmetto 92.3 #310 Apalachicola 92.3 #311 Gulfport 92.1 #312 Port St. Lucie 92.0 #313 Atlantic Beach 92.0 #314 Bradenton 91.9 #315 Goldenrod 91.6 #316 Sunrise 91.6 #317 Lady Lake 91.6 #318 Dunedin 91.4 #319 Tallahassee 91.0 #320 Port Salerno 90.9 #321 Yankeetown 90.8 #322 Ormond Beach 90.7 #323 Daytona Beach 90.6 #324 Ponce Inlet 90.6 #325 Palm Harbor 90.5 #326 Sanford 90.4 #327 Cooper City 90.2 #328 Gulf Breeze 90.0 #329 St. Augustine 90.0 #330 Port Richey 89.7 #331 Clermont 89.6 #332 Bonita Springs 89.4 #333 Parkland 89.4 #334 Steinhatchee 89.3 #335 Fort Pierce 89.3 #336 Tamarac 89.1 #337 Westlake 89.0 #338 Davenport 88.8 #339 Fernandina Beach 88.8 #340 Clearwater 88.6 #341 Stuart 88.5 #342 Panama City Beach 88.5 #343 Winter Beach 88.4 #344 Crystal River 88.4 #345 Cedar Key 88.4 #346 Dundee 88.3 #347 Jensen Beach 88.3 #348 North Lauderdale 88.2 #349 Hialeah Gardens 88.1 #350 Gainesville 88.1 #351 Bunnell 87.9 #352 Destin 87.8 #353 Neptune Beach 87.7 #354 Homosassa 87.7 #355 Delray Beach 87.6 #356 Boynton Beach 87.6 #357 Vero Beach 87.4 #358 Maitland 87.4 #359 Sweetwater 87.3 #360 Belleair Beach 87.3 #361 Belle Isle 87.3 #362 Belleair 86.8 #363 Cocoa Beach 86.4 #364 Loughman 86.4 #365 Windermere 86.4 #366 Mount Dora 86.3 #367 Lake Park 85.9 #368 Aventura 85.8 #369 Hallandale Beach 85.4 #370 Oakland Park 85.3 #371 Deerfield Beach 85.2 #372 Margate 85.0 #373 Atlantis 85.0 #374 Wildwood 85.0 #375 Venice 84.9 #376 Tampa 84.9 #377 Wellington 84.8 #378 Edgewood 84.7 #379 Indialantic 84.6 #380 Weston 84.5 #381 Riviera Beach 84.4 #382 West Park 84.1 #383 Hobe Sound 84.1 #384 Jupiter 83.8 #385 Flagler Beach 83.7 #386 Haverhill 83.6 #387 Palm Beach Gardens 83.5 #388 Clarcona 83.4 #389 Mangonia Park 83.3 #390 Lauderhill 83.1 #391 Palm Valley 82.8 #392 North Palm Beach 82.7 #393 Davie 82.6 #394 Lantana 82.5 #395 West Little River 82.4 #396 Punta Gorda 82.4 #397 North Miami Beach 82.3 #398 Cutler Bay 81.9 #399 Sarasota 81.5 #400 Southwest Ranches 81.4 #401 Belleair Bluffs 81.2 #402 North Bay Village 80.9 #403 Pinecrest 80.8 #404 Pembroke Pines 80.7 #405 Pompano Beach 80.7 #406 Wimauma 80.5 #407 Key Largo 80.5 #408 Miami Gardens 80.3 #409 Miramar Beach 80.2 #410 South Pasadena 79.9 #411 Dania Beach 79.9 #412 Miami Lakes 79.8 #413 Redington Shores 79.8 #414 Kissimmee 79.7 #415 Melbourne Beach 79.6 #416 Daytona Beach Shores 79.5 #417 Tequesta 79.5 #418 Osprey 79.2 #419 Eatonville 79.1 #420 Everglades 78.8 #421 Miramar 78.6 #422 El Portal 78.5 #423 Orlando 78.4 #424 Homestead 78.2 #425 Longboat Key 78.2 #426 Palmetto Bay 78.0 #427 Indian Shores 77.4 #428 North Miami 77.3 #429 Miami Shores 77.1 #430 West Palm Beach 76.6 #431 Beverly Beach 76.5 #432 Mexico Beach 76.5 #433 Redington Beach 76.2 #434 Lake Worth Beach 76.2 #435 Sanibel 76.2 #436 Miami Springs 76.0 #437 Virginia Gardens 75.9 #438 Doral 75.7 #439 Bradenton Beach 75.5 #440 Indian Rocks Beach 75.2 #441 Palm Beach Shores 75.0 #442 Wilton Manors 74.9 #443 Winter Park 74.8 #444 Fort Lauderdale 74.6 #445 Fort Myers Beach 74.5 #446 Indian River Shores 74.3 #447 Treasure Island 74.1 #448 Coral Springs 73.9 #449 Hialeah 73.6 #450 Holmes Beach 73.2 #451 Ocean Ridge 73.1 #452 Marathon 72.8 #453 Hollywood 72.8 #454 West Miami 72.7 #455 Hillsboro Beach 72.5 #456 Key Biscayne 71.8 #457 Lighthouse Point 71.2 #458 Marco Island 70.6 #459 Miami Beach 69.4 #460 Florida City 69.4 #461 Boca Raton 69.3 #462 Key Colony Beach 68.5 #463 Bay Harbor Islands 68.4 #464 South Miami 68.2 #465 Naples 67.9 #466 Coral Gables 67.9 #467 Tavernier 67.7 #468 Lauderdale-by-the-Sea 66.9 #469 Key West 66.6 #470 North Redington Beach 66.3 #471 Surfside 65.3 #472 Biscayne Park 64.1 #473 Juno Beach 63.6 #474 Sunny Isles Beach 63.5 #475 Islamorada, Village of Islands 63.4 #476 Madeira Beach 63.4 #477 Miami 62.2 #478 Anna Maria 53.4 #479 Bal Harbour 52.6

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Florida MBR-HAI · 90-Day Trend

Florida

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors · Florida

$359,000

Median Home Value

U.S. median: varies by state

$74,568

Median Household Income

U.S. median: $80,734

4.8x

Price-to-Income Ratio

Home value ÷ income

$1,346/mo

Median Owner Costs

21.7% of income annually

$2,993/yr

Median Property Tax

0.83% effective rate

65.4%

Homeownership Rate

U.S. average: 65.7%

35.0%

Owner Cost Burden

% spending 30%+ of income on housing

7.140%

30-yr Mortgage Rate

State average • October 30, 2026

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

#35

of 51 states

Least Affordable Most Affordable

Florida is more affordable than 32% of U.S. states, Near National Average

92.5

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 31 states →
32	Virginia	94.8	Near National Average
33	Arizona	93.6	Near National Average
34	Montana	92.8	Near National Average
35	Florida You are here	92.5	Near National Average
36	Utah	90.8	Near National Average
37	Vermont	89.8	Moderately Less Affordable
38	Maryland	89.4	Moderately Less Affordable
▼ See all 51 state rankings →

Showing states ranked near Florida · October 30, 2026 • View complete national rankings →

Download Florida HAI Data

Florida History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-10-30,FL,92.5,97.4,7.140                

Download FL History (CSV)

All 51 States (CSV)

Compare Florida to every state

Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.

All States (CSV)

Cite the Florida MBR-HAI

Editorial / press citation

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Florida score: 92.5 (Near National Average), ranked #35 of 51 states. Methodology: monitorbankrates.com/housing-affordability-index-methodology”

APA 7th edition (academic)

Monitor Bank Rates LLC. (2026, October 30). MonitorBankRates (MBR) Housing Affordability Index: Florida [Data set]. https://www.monitorbankrates.com/housing-affordability-index/florida/

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.

News Lead · AP-style, factual

In Florida, the MonitorBankRates (MBR) Housing Affordability Index stood at 92.5 on October 30, 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 7.140% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.

Analyst Quote · with voice, attributable

“Florida's MonitorBankRates (MBR) Housing Affordability Index score of 92.5 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 7.140%, and the index tracks closely with the national average.”

Brian McKay, MonitorBankRates

Social Media · concise, share-friendly

Casual / Blog · conversational

Housing affordability in Florida is currently sitting at 92.5 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 7.14% 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.

SubjectHousing affordability snapshot for Florida: what it means for your search

Hi [Client Name], Wanted to share a quick affordability snapshot for Florida from the MonitorBankRates (MBR) Housing Affordability Index, a daily-updated composite that tracks how affordable U.S. homeownership is right now. Florida's current reading: 92.5 (Near National Average), rank #35 of 51 states National reading: 97.430-year mortgage rate average in Florida: 7.140% The index baseline of 100 represents long-run typical conditions at a 6.5% reference rate. Florida currently tracks closely with the national average. For full state context (including the 90-day trend, key affordability factors, and how Florida compares to neighboring states) see: https://www.monitorbankrates.com/housing-affordability-index/florida/ Always happy to discuss what this means for your specific situation. Best, [Your Name]

For Press & Researchers

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

Explore Further

National MBR-HAI Rankings

See how Florida ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Florida Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Florida.