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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

Bala Cynwyd, PA Housing Affordability Index

Bala Cynwyd, Pennsylvania has an MBR Housing Affordability Index score of 89.7 (Moderately Less Affordable) as of October 30, 2026, ranking 1281st most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $640,400 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $3,489, or 28% of the city’s $150,000 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bala Cynwyd is updated every night from live Pennsylvania 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.

Bala Cynwyd MBR-HAI 89.7 Moderately Less Affordable
Rank in Pennsylvania 1,281 of 1,325 1 = most affordable
Pennsylvania 108.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.23% Pennsylvania lenders
Median home value $640,400 U.S. Census Bureau

Bala Cynwyd is 18.6 points below the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Bala Cynwyd Mortgage Rates

See What You Can Afford in Bala Cynwyd, Pennsylvania

Use this Bala Cynwyd, Pennsylvania home affordability calculator to see how much house you can afford at today’s Pennsylvania average 30-year mortgage rate of 7.23%. A household earning the Bala Cynwyd median income of $150,000, with no other debts and $128,000 down, can afford a home of about $528,681, compared with a median home value of $640,400. Buying the median priced home with 20% down takes a household income of about $189,600 once property tax and insurance are counted.

Bala Cynwyd median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Pennsylvania average, 30-year fixed
Bala Cynwyd median bill (Census)
Estimate; use your quote
You can afford a home up to
$528,681
Below the Bala Cynwyd median home value of $640,400
Loan amount$400,681
Principal & interest$2,729/mo
Property tax$551/mo
Home insurance$220/mo
PMI$0/mo
Total monthly payment$3,500/mo
Compare Bala Cynwyd Mortgage Rates

How much house can you afford in Bala Cynwyd?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Bala Cynwyd, property taxes run about 1.25% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $8,084 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Bala Cynwyd

$3,489/mo
Principal & Interest
Median home, 20% down, 7.23%
$149,500
Income Needed
To keep principal and interest at 28% of income
$150,000
Median Household Income
Pennsylvania: $77,971
4.3x
Price-to-Income Ratio
Pennsylvania: 3.3x
$2,514/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$7,999/yr
Median Property Tax
1.25% of median value
26.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Bala Cynwyd Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bala Cynwyd, Pennsylvania score: 89.7 (Moderately Less Affordable), ranked 1,281 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/bala-cynwyd”