MonitorBankRates
☰
Massachusetts Housing Affordability Index | MBR-HAI

Massachusetts Housing Affordability Index

Daily affordability score for Massachusetts compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score
Massachusetts
87.2
Moderately Less Affordable
MBR-HAI • April 10, 2026
National Average
100.6
Near National Average
MBR-HAI • April 10, 2026
National Rank #50 of 51 states
vs. National Average -13.4 points
30-yr Rate Used 6.340%
Median Home Value $562,100
Median Household Income $103,960

Massachusetts Affordability Ranking

#50 of 51 states — April 10, 2026 Bottom 20% least affordable
Most Affordable Least Affordable
More affordable than: 1 of 51 states (2%)
Less affordable than: 49 of 51 states (96%)
MBR-HAI Score: 87.2 vs. national 100.6 (-13.4 points)
Nearby States
↑ 47 more affordable states above
#48 NY 89.3
#49 OR 89.2
#50 Massachusetts ◀ 87.2
#51 CA 81.5
Top 5 Most Affordable
#1 WV 139.9
#2 AR 131.2
#3 AL 129.8
#4 IA 129.6
#5 MS 126.3
Bottom 5 Least Affordable
#47 RI 90.6
#48 NY 89.3
#49 OR 89.2
#50 MA ◀ 87.2
#51 CA 81.5

View full 51-state rankings →

Massachusetts MBR-HAI — 90-Day Trend

Massachusetts
National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Massachusetts

$562,100
Median Home Value
U.S. median: varies by state
$103,960
Median Household Income
U.S. median: $80,734
5.4x
Price-to-Income Ratio
Home value ÷ income
$2,125/mo
Median Owner Costs
24.5% of income annually
$6,085/yr
Median Property Tax
1.08% effective rate
62.3%
Homeownership Rate
U.S. average: 65.7%
30.0%
Owner Cost Burden
% spending 30%+ of income on housing
6.340%
30-yr Mortgage Rate
State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Massachusetts Ranks Among All States

#50
of 51 states
Least Affordable Most Affordable
Massachusetts is more affordable than 2% of U.S. states — Moderately Less Affordable
87.2
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 46 states →
47 Rhode Island 90.6 Near National Average
48 New York 89.3 Moderately Less Affordable
49 Oregon 89.2 Moderately Less Affordable
50 Massachusetts You are here 87.2 Moderately Less Affordable
51 California 81.5 Moderately Less Affordable

Showing states ranked near Massachusetts — April 10, 2026 • View complete national rankings →

Download Massachusetts HAI Data

Massachusetts History (CSV)
Daily score vs. national • all dates
date,state,hai_score,national_score,rate_used
2026-04-11,MA,87.2,100.6,6.340
Download MA History (CSV)
All 51 States (CSV)
Compare Massachusetts to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings
See how Massachusetts ranks among all 51 states and the national average.
HAI Methodology
How the 10-component formula is computed, data sources, and score interpretation.
Massachusetts Mortgage Rates
Live 30-year and 15-year rates from banks and credit unions in Massachusetts.