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Maryland Housing Affordability Index | MBR-HAI

Maryland Housing Affordability Index

Daily affordability score for Maryland compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score
Maryland
97.6
Near National Average
MBR-HAI • April 10, 2026
National Average
100.6
Near National Average
MBR-HAI • April 10, 2026
National Rank #40 of 51 states
vs. National Average -3 points
30-yr Rate Used 6.680%
Median Home Value $419,900
Median Household Income $103,678

Maryland Affordability Ranking

#40 of 51 states — April 10, 2026 Less affordable than average
Most Affordable Least Affordable
More affordable than: 11 of 51 states (22%)
Less affordable than: 39 of 51 states (76%)
MBR-HAI Score: 97.6 vs. national 100.6 (-3 points)
Nearby States
↑ 37 more affordable states above
#38 HI 98.7
#39 CO 98.4
#40 Maryland ◀ 97.6
#41 VT 97.3
#42 DC 95.5
↓ 9 less affordable states below
Top 5 Most Affordable
#1 WV 139.9
#2 AR 131.2
#3 AL 129.8
#4 IA 129.6
#5 MS 126.3
Bottom 5 Least Affordable
#47 RI 90.6
#48 NY 89.3
#49 OR 89.2
#50 MA 87.2
#51 CA 81.5

View full 51-state rankings →

Maryland MBR-HAI — 90-Day Trend

Maryland
National Average

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

Key Affordability Factors — Maryland

$419,900
Median Home Value
U.S. median: varies by state
$103,678
Median Household Income
U.S. median: $80,734
4.1x
Price-to-Income Ratio
Home value ÷ income
$1,884/mo
Median Owner Costs
21.8% of income annually
$4,182/yr
Median Property Tax
1.00% effective rate
67.7%
Homeownership Rate
U.S. average: 65.7%
26.6%
Owner Cost Burden
% spending 30%+ of income on housing
6.680%
30-yr Mortgage Rate
State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Maryland Ranks Among All States

#40
of 51 states
Least Affordable Most Affordable
Maryland is more affordable than 22% of U.S. states — Near National Average
97.6
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 36 states →
37 Nevada 98.9 Near National Average
38 Hawaii 98.7 Near National Average
39 Colorado 98.4 Near National Average
40 Maryland You are here 97.6 Near National Average
41 Vermont 97.3 Near National Average
42 Dist. of Columbia 95.5 Near National Average
43 Connecticut 95.5 Near National Average
▼ See all 51 state rankings →

Showing states ranked near Maryland — April 10, 2026 • View complete national rankings →

Download Maryland HAI Data

Maryland History (CSV)
Daily score vs. national • all dates
date,state,hai_score,national_score,rate_used
2026-04-11,MD,97.6,100.6,6.680
Download MD History (CSV)
All 51 States (CSV)
Compare Maryland to every state

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

All States (CSV)

Explore Further

National MBR-HAI Rankings
See how Maryland ranks among all 51 states and the national average.
HAI Methodology
How the 10-component formula is computed, data sources, and score interpretation.
Maryland Mortgage Rates
Live 30-year and 15-year rates from banks and credit unions in Maryland.