Virginia Housing Affordability Index

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

Live Score

Virginia

102.8

Near National Average

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #34 of 51 states

vs. National Average +2.2 points

30-yr Rate Used 6.676%

Median Home Value $383,700

Median Household Income $93,170

View all state rankings →

Virginia Affordability Ranking

#34 of 51 states — April 10, 2026 Less affordable than average

Most Affordable Least Affordable

More affordable than: 17 of 51 states (33%)

Less affordable than: 33 of 51 states (65%)

MBR-HAI Score: 102.8 vs. national 100.6 (+2.2 points)

Nearby States

↑ 31 more affordable states above

#32 MN 104.3

#33 MT 103.0

#34 Virginia ◀ 102.8

#35 ME 100.2

#36 FL 99.9

↓ 15 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 →

Virginia MBR-HAI — 90-Day Trend

Virginia

National Average

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

Key Affordability Factors — Virginia

$383,700

Median Home Value

U.S. median: varies by state

$93,170

Median Household Income

U.S. median: $80,734

4.1x

Price-to-Income Ratio

Home value ÷ income

$1,559/mo

Median Owner Costs

20.1% of income annually

$3,430/yr

Median Property Tax

0.89% effective rate

68.8%

Homeownership Rate

U.S. average: 65.7%

25.0%

Owner Cost Burden

% spending 30%+ of income on housing

6.676%

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 Virginia Ranks Among All States

#34

of 51 states

Least Affordable Most Affordable

Virginia is more affordable than 34% of U.S. states — Near National Average

102.8

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 30 states →
31	Arizona	104.7	Near National Average
32	Minnesota	104.3	Near National Average
33	Montana	103.0	Near National Average
34	Virginia You are here	102.8	Near National Average
35	Maine	100.2	Near National Average
36	Florida	99.9	Near National Average
37	Nevada	98.9	Near National Average
▼ See all 51 state rankings →

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

Download Virginia HAI Data

Virginia History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,VA,102.8,100.6,6.676                

Download VA History (CSV)

All 51 States (CSV)

Compare Virginia 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 Virginia ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Virginia Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Virginia.