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Pennsylvania Housing Affordability Index | MBR-HAI

Pennsylvania Housing Affordability Index

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

Live Score
Pennsylvania
112.0
More Affordable Than Avg
MBR-HAI • April 10, 2026
National Average
100.6
Near National Average
MBR-HAI • April 10, 2026
National Rank #18 of 51 states
vs. National Average +11.4 points
30-yr Rate Used 6.641%
Median Home Value $254,500
Median Household Income $77,971

Pennsylvania Affordability Ranking

#18 of 51 states — April 10, 2026 More affordable than average
Most Affordable Least Affordable
More affordable than: 33 of 51 states (65%)
Less affordable than: 17 of 51 states (33%)
MBR-HAI Score: 112.0 vs. national 100.6 (+11.4 points)
Nearby States
↑ 15 more affordable states above
#16 OH 114.0
#17 DE 112.4
#18 Pennsylvania ◀ 112.0
#19 MI 112.0
#20 NE 111.2
↓ 31 less affordable states below
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 →

Pennsylvania MBR-HAI — 90-Day Trend

Pennsylvania
National Average

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

Key Affordability Factors — Pennsylvania

$254,500
Median Home Value
U.S. median: varies by state
$77,971
Median Household Income
U.S. median: $80,734
3.3x
Price-to-Income Ratio
Home value ÷ income
$1,207/mo
Median Owner Costs
18.6% of income annually
$3,659/yr
Median Property Tax
1.44% effective rate
74.3%
Homeownership Rate
U.S. average: 65.7%
23.6%
Owner Cost Burden
% spending 30%+ of income on housing
6.641%
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 Pennsylvania Ranks Among All States

#18
of 51 states
Least Affordable Most Affordable
Pennsylvania is more affordable than 66% of U.S. states — More Affordable Than Avg
112.0
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 14 states →
15 New Mexico 114.1 More Affordable Than Avg
16 Ohio 114.0 More Affordable Than Avg
17 Delaware 112.4 More Affordable Than Avg
18 Pennsylvania You are here 112.0 More Affordable Than Avg
19 Michigan 112.0 More Affordable Than Avg
20 Nebraska 111.2 More Affordable Than Avg
21 Georgia 111.0 More Affordable Than Avg
▼ See all 51 state rankings →

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

Download Pennsylvania HAI Data

Pennsylvania History (CSV)
Daily score vs. national • all dates
date,state,hai_score,national_score,rate_used
2026-04-11,PA,112.0,100.6,6.641
Download PA History (CSV)
All 51 States (CSV)
Compare Pennsylvania 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 Pennsylvania ranks among all 51 states and the national average.
HAI Methodology
How the 10-component formula is computed, data sources, and score interpretation.
Pennsylvania Mortgage Rates
Live 30-year and 15-year rates from banks and credit unions in Pennsylvania.