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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

Lynnfield, MA Housing Affordability Index

Lynnfield, Massachusetts has an MBR Housing Affordability Index score of 78.8 (Moderately Less Affordable) as of October 30, 2026, ranking 90th most affordable of 193 scored Massachusetts cities, compared with 76.0 statewide and 97.4 nationally. On a median-priced $917,600 home with 20% down, the Massachusetts average 30-year fixed rate of 7.10% means a monthly principal and interest payment of about $4,934, or 34% of the city’s $175,265 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Lynnfield is updated every night from live Massachusetts 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.

Lynnfield MBR-HAI 78.8 Moderately Less Affordable
Rank in Massachusetts 90 of 193 1 = most affordable
Massachusetts 76.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.10% Massachusetts lenders
Median home value $917,600 U.S. Census Bureau

Lynnfield is 2.8 points above the Massachusetts score. Scores as of October 30, 2026. See the Massachusetts index

View Lynnfield Mortgage Rates

What It Takes to Buy in Lynnfield

$4,934/mo
Principal & Interest
Median home, 20% down, 7.10%
$211,500
Income Needed
To keep the payment at 28% of income
$175,265
Median Household Income
Massachusetts: $103,960
5.2x
Price-to-Income Ratio
Massachusetts: 5.4x
$3,100/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,085/yr
Median Property Tax
Massachusetts figure
24.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
61.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Lynnfield Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lynnfield, Massachusetts score: 78.8 (Moderately Less Affordable), ranked 90 of 193 Massachusetts cities. monitorbankrates.com/housing-affordability-index/massachusetts/lynnfield”