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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

Boonsboro, MD Housing Affordability Index

Boonsboro, Maryland has an MBR Housing Affordability Index score of 104.3 (Near National Average) as of October 30, 2026, ranking 86th most affordable of 259 scored Maryland cities, compared with 89.4 statewide and 97.4 nationally. On a median-priced $352,400 home with 20% down, the Maryland average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,926, or 24% of the city’s $95,956 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Boonsboro is updated every night from live Maryland 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.

Boonsboro MBR-HAI 104.3 Near National Average
Rank in Maryland 86 of 259 1 = most affordable
Maryland 89.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.27% Maryland lenders
Median home value $352,400 U.S. Census Bureau

Boonsboro is 14.9 points above the Maryland score. Scores as of October 30, 2026. See the Maryland index

View Boonsboro Mortgage Rates

What It Takes to Buy in Boonsboro

$1,926/mo
Principal & Interest
Median home, 20% down, 7.27%
$82,500
Income Needed
To keep the payment at 28% of income
$95,956
Median Household Income
Maryland: $103,678
3.7x
Price-to-Income Ratio
Maryland: 4.1x
$1,875/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,627/yr
Median Property Tax
0.46% of median value
28.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
37.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Boonsboro Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Boonsboro, Maryland score: 104.3 (Near National Average), ranked 86 of 259 Maryland cities. monitorbankrates.com/housing-affordability-index/maryland/boonsboro”