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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

Mount Rainier, MD Housing Affordability Index

Mount Rainier, Maryland has an MBR Housing Affordability Index score of 60.0 (Significantly Less Affordable) as of October 30, 2026, ranking 258th most affordable of 259 scored Maryland cities, compared with 89.4 statewide and 97.4 nationally. On a median-priced $529,600 home with 20% down, the Maryland average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $2,895, or 51% of the city’s $68,505 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Mount Rainier 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.

Mount Rainier MBR-HAI 60.0 Significantly Less Affordable
Rank in Maryland 258 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 $529,600 U.S. Census Bureau

Mount Rainier is 29.4 points below the Maryland score. Scores as of October 30, 2026. See the Maryland index

View Mount Rainier Mortgage Rates

What It Takes to Buy in Mount Rainier

$2,895/mo
Principal & Interest
Median home, 20% down, 7.27%
$124,100
Income Needed
To keep the payment at 28% of income
$68,505
Median Household Income
Maryland: $103,678
7.7x
Price-to-Income Ratio
Maryland: 4.1x
$2,316/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,642/yr
Median Property Tax
1.25% of median value
36.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
43.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Mount Rainier Ranks in Maryland

Cities with similar scores
#255Chestertown65.4 #256Kennedyville64.7 #257Aquasco60.7
#258Mount Rainier60.0
#259Oxford56.0
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Cite the Mount Rainier Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Mount Rainier, Maryland score: 60.0 (Significantly Less Affordable), ranked 258 of 259 Maryland cities. monitorbankrates.com/housing-affordability-index/maryland/mount-rainier”