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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

Washington, PA Housing Affordability Index

Washington, Pennsylvania has an MBR Housing Affordability Index score of 128.8 (Highly Affordable) as of October 30, 2026, ranking 745th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $128,200 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $699, or 16% of the city’s $52,975 median household income.

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

Washington MBR-HAI 128.8 Highly Affordable
Rank in Pennsylvania 745 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 $128,200 U.S. Census Bureau

Washington is 20.5 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Washington Mortgage Rates

What It Takes to Buy in Washington

$699/mo
Principal & Interest
Median home, 20% down, 7.23%
$29,900
Income Needed
To keep the payment at 28% of income
$52,975
Median Household Income
Pennsylvania: $77,971
2.4x
Price-to-Income Ratio
Pennsylvania: 3.3x
$979/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,362/yr
Median Property Tax
1.84% of median value
27.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Washington Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Washington, Pennsylvania score: 128.8 (Highly Affordable), ranked 745 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/washington”