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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

Highland Beach, MD Housing Affordability Index

Highland Beach, Maryland has an MBR Housing Affordability Index score of 78.1 (Moderately Less Affordable) as of October 30, 2026, ranking 223rd most affordable of 259 scored Maryland cities, compared with 89.4 statewide and 97.4 nationally. On a median-priced $767,900 home with 20% down, the Maryland average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $4,197, or 30% of the city’s $169,375 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Highland Beach 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.

Highland Beach MBR-HAI 78.1 Moderately Less Affordable
Rank in Maryland 223 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 $767,900 U.S. Census Bureau

Highland Beach is 11.3 points below the Maryland score. Scores as of October 30, 2026. See the Maryland index

View Highland Beach Mortgage Rates

See What You Can Afford in Highland Beach, Maryland

Use this Highland Beach, Maryland home affordability calculator to see how much house you can afford at today’s Maryland average 30-year mortgage rate of 7.27%. A household earning the Highland Beach median income of $169,375, with no other debts and $154,000 down, can afford a home of about $636,915, compared with a median home value of $767,900. Buying the median priced home with 20% down takes a household income of about $213,600 once property tax and insurance are counted.

Highland Beach median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Maryland average, 30-year fixed
Highland Beach median bill (Census)
Estimate; use your quote
You can afford a home up to
$636,915
Below the Highland Beach median home value of $767,900
Loan amount$482,915
Principal & interest$3,299/mo
Property tax$387/mo
Home insurance$265/mo
PMI$0/mo
Total monthly payment$3,952/mo
Compare Highland Beach Mortgage Rates

How much house can you afford in Highland Beach?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Highland Beach, property taxes run about 0.73% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $10,256 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Highland Beach

$4,197/mo
Principal & Interest
Median home, 20% down, 7.27%
$179,900
Income Needed
To keep principal and interest at 28% of income
$169,375
Median Household Income
Maryland: $103,678
4.5x
Price-to-Income Ratio
Maryland: 4.1x
$2,950/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,625/yr
Median Property Tax
0.73% of median value
59.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Highland Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Highland Beach, Maryland score: 78.1 (Moderately Less Affordable), ranked 223 of 259 Maryland cities. monitorbankrates.com/housing-affordability-index/maryland/highland-beach”