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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, UT Housing Affordability Index

Washington, Utah has an MBR Housing Affordability Index score of 83.4 (Moderately Less Affordable) as of October 30, 2026, ranking 229th most affordable of 253 scored Utah cities, compared with 90.8 statewide and 97.4 nationally. On a median-priced $570,400 home with 20% down, the Utah average 30-year fixed rate of 7.16% means a monthly principal and interest payment of about $3,086, or 40% of the city’s $91,853 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Washington is updated every night from live Utah 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 83.4 Moderately Less Affordable
Rank in Utah 229 of 253 1 = most affordable
Utah 90.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.16% Utah lenders
Median home value $570,400 U.S. Census Bureau

Washington is 7.4 points below the Utah score. Scores as of October 30, 2026. See the Utah index

View Washington Mortgage Rates

What It Takes to Buy in Washington

$3,086/mo
Principal & Interest
Median home, 20% down, 7.16%
$132,300
Income Needed
To keep the payment at 28% of income
$91,853
Median Household Income
Utah: $95,166
6.2x
Price-to-Income Ratio
Utah: 5.1x
$1,386/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,284/yr
Median Property Tax
0.40% of median value
29.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Washington, Utah. The rate is the Utah 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, Utah score: 83.4 (Moderately Less Affordable), ranked 229 of 253 Utah cities. monitorbankrates.com/housing-affordability-index/utah/washington”