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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

Vineyard Haven, MA Housing Affordability Index

Vineyard Haven, Massachusetts has an MBR Housing Affordability Index score of 55.1 (Significantly Less Affordable) as of October 30, 2026, ranking 191st most affordable of 193 scored Massachusetts cities, compared with 76.0 statewide and 97.4 nationally. On a median-priced $847,400 home with 20% down, the Massachusetts average 30-year fixed rate of 7.10% means a monthly principal and interest payment of about $4,557, or 70% of the city’s $77,665 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Vineyard Haven 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.

Vineyard Haven MBR-HAI 55.1 Significantly Less Affordable
Rank in Massachusetts 191 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 $847,400 U.S. Census Bureau

Vineyard Haven is 20.9 points below the Massachusetts score. Scores as of October 30, 2026. See the Massachusetts index

View Vineyard Haven Mortgage Rates

What It Takes to Buy in Vineyard Haven

$4,557/mo
Principal & Interest
Median home, 20% down, 7.10%
$195,300
Income Needed
To keep the payment at 28% of income
$77,665
Median Household Income
Massachusetts: $103,960
10.9x
Price-to-Income Ratio
Massachusetts: 5.4x
$2,376/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,432/yr
Median Property Tax
0.52% of median value
48.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
56.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Vineyard Haven Ranks in Massachusetts

Cities with similar scores
#188Falmouth59.2 #189Pocasset58.8 #190Harwich Port57.1
#191Vineyard Haven55.1
#192Chatham47.4 #193Duxbury46.9
Least affordable in Massachusetts
#189Pocasset58.8 #190Harwich Port57.1
#191Vineyard Haven55.1
#192Chatham47.4 #193Duxbury46.9
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Cite the Vineyard Haven Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Vineyard Haven, Massachusetts score: 55.1 (Significantly Less Affordable), ranked 191 of 193 Massachusetts cities. monitorbankrates.com/housing-affordability-index/massachusetts/vineyard-haven”