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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

University Park, MD Housing Affordability Index

University Park, Maryland has an MBR Housing Affordability Index score of 119.2 (More Affordable Than Average) as of October 30, 2026, ranking 43rd most affordable of 259 scored Maryland cities, compared with 89.4 statewide and 97.4 nationally. On a median-priced $635,100 home with 20% down, the Maryland average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $3,471, or 20% of the city’s $207,500 median household income.

The MBR Housing Affordability Index (MBR-HAI) for University Park 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.

University Park MBR-HAI 119.2 More Affordable Than Average
Rank in Maryland 43 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 $635,100 U.S. Census Bureau

University Park is 29.9 points above the Maryland score. Scores as of October 30, 2026. See the Maryland index

View University Park Mortgage Rates

What It Takes to Buy in University Park

$3,471/mo
Principal & Interest
Median home, 20% down, 7.27%
$148,800
Income Needed
To keep the payment at 28% of income
$207,500
Median Household Income
Maryland: $103,678
3.1x
Price-to-Income Ratio
Maryland: 4.1x
$2,594/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,182/yr
Median Property Tax
Maryland figure
16.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
20.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the University Park Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. University Park, Maryland score: 119.2 (More Affordable Than Average), ranked 43 of 259 Maryland cities. monitorbankrates.com/housing-affordability-index/maryland/university-park”