MBR Housing Affordability Index
Daily housing affordability scores for the national average and all 51 states — updated every night using live mortgage rates from 15,157 verified rate quotes across 2,408 lenders, combined with U.S. Census Bureau income and home value data.
National MBR-HAI — 90-Day Trend
Score of 100 = national baseline (computed at 6.5% reference rate). Chart updates each morning after the nightly rate aggregation run. A 0.25% change in the 30-year average shifts the national score by approximately 0.8–1.0 points.
Most & Least Affordable States
All State Rankings — April 10, 2026
Ranked from most to least affordable. Click any state to view its full trend history and city-level affordability breakdown. Scores above 100 indicate markets more affordable than the national baseline; scores below 100 indicate markets where homeownership costs are above average relative to income.
| # | State | MBR-HAI Score | Affordability | vs. Prior Day | 30-yr Rate |
|---|---|---|---|---|---|
| 1 | West Virginia WV | 139.9 | Highly Affordable | — | 6.113% |
| 2 | Arkansas AR | 131.2 | Highly Affordable | — | 6.618% |
| 3 | Alabama AL | 129.8 | Highly Affordable | — | 6.699% |
| 4 | Iowa IA | 129.6 | Highly Affordable | — | 6.237% |
| 5 | Mississippi MS | 126.3 | Highly Affordable | — | 6.528% |
| 6 | Louisiana LA | 125.3 | Highly Affordable | — | 6.277% |
| 7 | Indiana IN | 124.4 | Highly Affordable | — | 6.680% |
| 8 | Kansas KS | 123.0 | Highly Affordable | — | 6.483% |
| 9 | Kentucky KY | 119.6 | More Affordable Than Avg | — | 6.778% |
| 10 | Oklahoma OK | 119.5 | More Affordable Than Avg | — | 6.175% |
| 11 | North Dakota ND | 118.3 | More Affordable Than Avg | — | 6.357% |
| 12 | Missouri MO | 117.6 | More Affordable Than Avg | — | 6.581% |
| 13 | South Dakota SD | 116.1 | More Affordable Than Avg | — | 6.357% |
| 14 | South Carolina SC | 114.8 | More Affordable Than Avg | — | 6.730% |
| 15 | New Mexico NM | 114.1 | More Affordable Than Avg | — | 6.681% |
| 16 | Ohio OH | 114.0 | More Affordable Than Avg | — | 6.673% |
| 17 | Delaware DE | 112.4 | More Affordable Than Avg | — | 6.604% |
| 18 | Pennsylvania PA | 112.0 | More Affordable Than Avg | — | 6.641% |
| 19 | Michigan MI | 112.0 | More Affordable Than Avg | — | 6.544% |
| 20 | Nebraska NE | 111.2 | More Affordable Than Avg | — | 6.357% |
| 21 | Georgia GA | 111.0 | More Affordable Than Avg | — | 6.823% |
| 22 | Wyoming WY | 110.4 | More Affordable Than Avg | — | 6.357% |
| 23 | Wisconsin WI | 109.6 | Near National Average | — | 6.489% |
| 24 | Idaho ID | 109.4 | Near National Average | — | 6.546% |
| 25 | North Carolina NC | 108.9 | Near National Average | — | 6.833% |
| 26 | Alaska AK | 108.1 | Near National Average | — | 6.069% |
| 27 | Tennessee TN | 107.9 | Near National Average | — | 6.781% |
| 28 | Illinois IL | 106.9 | Near National Average | — | 6.608% |
| 29 | Utah UT | 106.2 | Near National Average | — | 6.407% |
| 30 | Texas TX | 105.6 | Near National Average | — | 6.400% |
| 31 | Arizona AZ | 104.7 | Near National Average | — | 6.430% |
| 32 | Minnesota MN | 104.3 | Near National Average | — | 6.508% |
| 33 | Montana MT | 103.0 | Near National Average | — | 6.357% |
| 34 | Virginia VA | 102.8 | Near National Average | — | 6.676% |
| 35 | Maine ME | 100.2 | Near National Average | — | 6.731% |
| 36 | Florida FL | 99.9 | Near National Average | — | 6.712% |
| 37 | Nevada NV | 98.9 | Near National Average | — | 6.389% |
| 38 | Hawaii HI | 98.7 | Near National Average | — | 6.051% |
| 39 | Colorado CO | 98.4 | Near National Average | — | 6.521% |
| 40 | Maryland MD | 97.6 | Near National Average | — | 6.680% |
| 41 | Vermont VT | 97.3 | Near National Average | — | 6.292% |
| 42 | Dist. of Columbia DC | 95.5 | Near National Average | — | 6.755% |
| 43 | Connecticut CT | 95.5 | Near National Average | — | 6.348% |
| 44 | Washington WA | 94.2 | Near National Average | — | 6.597% |
| 45 | New Hampshire NH | 94.1 | Near National Average | — | 6.530% |
| 46 | New Jersey NJ | 91.9 | Near National Average | — | 6.439% |
| 47 | Rhode Island RI | 90.6 | Near National Average | — | 6.357% |
| 48 | New York NY | 89.3 | Moderately Less Affordable | — | 6.339% |
| 49 | Oregon OR | 89.2 | Moderately Less Affordable | — | 6.569% |
| 50 | Massachusetts MA | 87.2 | Moderately Less Affordable | — | 6.340% |
| 51 | California CA | 81.5 | Moderately Less Affordable | — | 6.609% |
How the MBR-HAI Works
The MBR Housing Affordability Index answers one question: how affordable is homeownership in this market, relative to the national average? A score of 100 equals the national baseline. Scores above 100 indicate markets where homeownership costs are below average relative to local incomes; scores below 100 indicate markets where costs are above average.
The index combines a qualifying income method using live daily mortgage rates with eight additional Census Bureau data components — median home values, household income, property taxes, total owner costs, and housing cost burden percentages. This gives the index both rate sensitivity and a grounded view of the full cost of homeownership.
The rate component updates every night at 11pm using 30-year fixed averages computed from 15,157 verified rate quotes across 2,408 lenders. Census components update annually each December. A 0.25% move in the 30-year rate shifts the national score by approximately 0.8–1.0 index points.
Score Interpretation
| 120+ | Highly affordable — well above national average |
| 110–119 | More affordable than the U.S. average |
| 90–109 | Near the national average |
| 70–89 | Moderately less affordable |
| 50–69 | Significantly less affordable |
| Below 50 | Among the least affordable markets in the U.S. |
Daily updates
Actual verified bank rates
National + 51 states
Taxes & cost burden included
Monthly updates
Estimated rates
National + metros only
Payment-to-income only
Download & Use MBR-HAI Data
Daily MBR-HAI scores for the national average and all 51 states are available in multiple formats, updated every morning. For press and research use, cite as “MBR Housing Affordability Index, MonitorBankRates.com” and link to the methodology page.
2026-04-10,NAT,100.6,6.357
2026-04-10,WV,139.9,6.113
2026-04-10,AR,131.2,6.618
"date":"2026-04-10",
"national":{"score":100.6,"rate":6.357},
"states":{"WV":139.9,...}
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Embed the live MBR-HAI national score on your website or publication. Updates automatically each morning. No API key required — free for editorial use.
Explore Further
