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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

Eagle Harbor, MD Housing Affordability Index

Eagle Harbor, Maryland has an MBR Housing Affordability Index score of 134.9 (Highly Affordable) as of October 30, 2026, ranking 24th most affordable of 259 scored Maryland cities, compared with 89.4 statewide and 97.4 nationally. On a median-priced $167,400 home with 20% down, the Maryland average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $915, or 13% of the city’s $81,771 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Eagle Harbor 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.

Eagle Harbor MBR-HAI 134.9 Highly Affordable
Rank in Maryland 24 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 $167,400 U.S. Census Bureau

Eagle Harbor is 45.5 points above the Maryland score. Scores as of October 30, 2026. See the Maryland index

View Eagle Harbor Mortgage Rates

What It Takes to Buy in Eagle Harbor

$915/mo
Principal & Interest
Median home, 20% down, 7.27%
$39,200
Income Needed
To keep the payment at 28% of income
$81,771
Median Household Income
Maryland: $103,678
2.0x
Price-to-Income Ratio
Maryland: 4.1x
$1,391/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,296/yr
Median Property Tax
1.97% of median value
26.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Eagle Harbor Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Eagle Harbor, Maryland score: 134.9 (Highly Affordable), ranked 24 of 259 Maryland cities. monitorbankrates.com/housing-affordability-index/maryland/eagle-harbor”