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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

Capitol Heights, MD Housing Affordability Index

Capitol Heights, Maryland has an MBR Housing Affordability Index score of 101.1 (Near National Average) as of October 30, 2026, ranking 99th most affordable of 259 scored Maryland cities, compared with 89.4 statewide and 97.4 nationally. On a median-priced $331,900 home with 20% down, the Maryland average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,814, or 22% of the city’s $97,155 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Capitol Heights 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.

Capitol Heights MBR-HAI 101.1 Near National Average
Rank in Maryland 99 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 $331,900 U.S. Census Bureau

Capitol Heights is 11.8 points above the Maryland score. Scores as of October 30, 2026. See the Maryland index

View Capitol Heights Mortgage Rates

What It Takes to Buy in Capitol Heights

$1,814/mo
Principal & Interest
Median home, 20% down, 7.27%
$77,700
Income Needed
To keep the payment at 28% of income
$97,155
Median Household Income
Maryland: $103,678
3.4x
Price-to-Income Ratio
Maryland: 4.1x
$1,792/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,368/yr
Median Property Tax
1.01% of median value
30.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
30.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Capitol Heights Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Capitol Heights, Maryland score: 101.1 (Near National Average), ranked 99 of 259 Maryland cities. monitorbankrates.com/housing-affordability-index/maryland/capitol-heights”