Piney Point, MD Housing Affordability Index
Piney Point, Maryland has an MBR Housing Affordability Index score of 135.6 (Highly Affordable) as of October 30, 2026, ranking 23rd most affordable of 259 scored Maryland cities, compared with 89.4 statewide and 97.4 nationally. On a median-priced $336,600 home with 20% down, the Maryland average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,840, or 17% of the city’s $129,018 median household income.
The MBR Housing Affordability Index (MBR-HAI) for Piney Point 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.
Piney Point is 46.2 points above the Maryland score. Scores as of October 30, 2026. See the Maryland index
View Piney Point Mortgage RatesSee What You Can Afford in Piney Point, Maryland
Use this Piney Point, 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 Piney Point median income of $129,018, with no other debts and $67,000 down, can afford a home of about $415,856, compared with a median home value of $336,600. Buying the median priced home with 20% down takes a household income of about $95,600 once property tax and insurance are counted.
| Loan amount | $348,856 |
| Principal & interest | $2,383/mo |
| Property tax | $308/mo |
| Home insurance | $173/mo |
| PMI | $145/mo |
| Total monthly payment | $3,010/mo |
How much house can you afford in Piney Point?
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 Piney Point, property taxes run about 0.89% 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 $6,934 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 Piney Point
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Piney Point, Maryland. The rate is the Maryland average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How Piney Point Ranks in Maryland
Cite the Piney Point Score
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Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
