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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

Potomac, MD Housing Affordability Index

Potomac, Maryland has an MBR Housing Affordability Index score of 82.0 (Moderately Less Affordable) as of October 30, 2026, ranking 211th most affordable of 259 scored Maryland cities, compared with 89.4 statewide and 97.4 nationally. On a median-priced $1,157,000 home with 20% down, a jumbo loan at 7.52% means a monthly principal and interest payment of about $6,481, or 33% of the city’s $236,675 median household income.

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

Potomac MBR-HAI 82.0 Moderately Less Affordable
Rank in Maryland 211 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 $1,157,000 U.S. Census Bureau

Potomac is 7.3 points below the Maryland score. Scores as of October 30, 2026. See the Maryland index

View Potomac Mortgage Rates

What It Takes to Buy in Potomac

$6,481/mo
Principal & Interest
Median home, 20% down, 7.52% jumbo
$277,800
Income Needed
To keep the payment at 28% of income
$236,675
Median Household Income
Maryland: $103,678
4.9x
Price-to-Income Ratio
Maryland: 4.1x
$3,221/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$9,913/yr
Median Property Tax
0.86% of median value
23.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
39.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Potomac, Maryland. The rate is the Maryland average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Potomac Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Potomac, Maryland score: 82.0 (Moderately Less Affordable), ranked 211 of 259 Maryland cities. monitorbankrates.com/housing-affordability-index/maryland/potomac”