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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

McSherrystown, PA Housing Affordability Index

McSherrystown, Pennsylvania has an MBR Housing Affordability Index score of 113.3 (More Affordable Than Average) as of October 30, 2026, ranking 996th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $176,100 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $960, or 19% of the city’s $61,159 median household income.

The MBR Housing Affordability Index (MBR-HAI) for McSherrystown 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.

McSherrystown MBR-HAI 113.3 More Affordable Than Average
Rank in Pennsylvania 996 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 $176,100 U.S. Census Bureau

McSherrystown is 5.0 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View McSherrystown Mortgage Rates

What It Takes to Buy in McSherrystown

$960/mo
Principal & Interest
Median home, 20% down, 7.23%
$41,100
Income Needed
To keep the payment at 28% of income
$61,159
Median Household Income
Pennsylvania: $77,971
2.9x
Price-to-Income Ratio
Pennsylvania: 3.3x
$1,360/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,457/yr
Median Property Tax
1.96% of median value
18.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the McSherrystown Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. McSherrystown, Pennsylvania score: 113.3 (More Affordable Than Average), ranked 996 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/mcsherrystown”