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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

Derwood, MD Housing Affordability Index

Derwood, Maryland has an MBR Housing Affordability Index score of 76.2 (Moderately Less Affordable) as of October 30, 2026, ranking 230th most affordable of 259 scored Maryland cities, compared with 89.4 statewide and 97.4 nationally. On a median-priced $719,800 home with 20% down, the Maryland average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $3,934, or 40% of the city’s $118,194 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Derwood 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.

Derwood MBR-HAI 76.2 Moderately Less Affordable
Rank in Maryland 230 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 $719,800 U.S. Census Bureau

Derwood is 13.1 points below the Maryland score. Scores as of October 30, 2026. See the Maryland index

View Derwood Mortgage Rates

What It Takes to Buy in Derwood

$3,934/mo
Principal & Interest
Median home, 20% down, 7.27%
$168,600
Income Needed
To keep the payment at 28% of income
$118,194
Median Household Income
Maryland: $103,678
6.1x
Price-to-Income Ratio
Maryland: 4.1x
$1,855/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,728/yr
Median Property Tax
0.80% of median value
24.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
39.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Derwood Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Derwood, Maryland score: 76.2 (Moderately Less Affordable), ranked 230 of 259 Maryland cities. monitorbankrates.com/housing-affordability-index/maryland/derwood”