Virginia Housing Affordability Index
Virginia’s MBR Housing Affordability Index score is 94.4 (Near National Average) as of October 14, 2026, ranking 32nd most affordable of 51 states, compared with a national score of 97.1. On a median-priced $383,700 home in Virginia with 20% down, the current 7.46% 30-year fixed rate means a monthly principal and interest payment of about $2,139, or 28% of the state’s $93,170 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) 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. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 14, 2026, with Virginia outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
Free to reuse with the citation shown on the image.
Virginia Affordability Ranking
Virginia MBR-HAI · 90-Day Trend
Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.
Key Affordability Factors · Virginia
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How Virginia Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 28 states → | |||
| 29 | Minnesota | 96.7 | Near National Average |
| 30 | Idaho | 96.3 | Near National Average |
| 31 | Maine | 95.1 | Near National Average |
| 32 | Virginia You are here | 94.4 | Near National Average |
| 33 | Arizona | 93.2 | Near National Average |
| 34 | Montana | 92.5 | Near National Average |
| 35 | Florida | 92.4 | Near National Average |
| ▼ See all 51 state rankings → | |||
Showing states ranked near Virginia · October 14, 2026 • View complete national rankings →
Download Virginia HAI Data
2026-10-14,VA,94.4,97.1,7.464
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · Virginia
Ready-to-publish sentences using today's Virginia data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live Virginia score. Free for editorial use with attribution to MonitorBankRates.
In Virginia, the MonitorBankRates (MBR) Housing Affordability Index stood at 94.4 on October 14, 2026, ranking #32 of 51 U.S. states for homeownership affordability and indicating near national average conditions relative to the national baseline. The state-level reading combines Virginia's 30-year mortgage rate average of 7.464% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“Virginia's MonitorBankRates (MBR) Housing Affordability Index score of 94.4 places it #32 of 51 nationwide. Below the 100 baseline, that means buyer purchasing power in Virginia is weaker than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.464%, and the index tracks closely with the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. Virginia: 94.4 (Near National Average), rank #32 of 51 states. 30-yr mortgage avg: 7.46%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/virginia/
Housing affordability in Virginia is currently sitting at 94.4 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #32 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, Virginia's 30-year mortgage rate of 7.46% reflects near national average conditions for local buyers. The state tracks closely with the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for Virginia homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The Virginia MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: Virginia metros, MSAs, or historical slices on request
- Embargo-friendly releases: give us 24 hours notice for scheduled coverage
- Background interviews: methodology, market context, or commentary on rate moves
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For our published citation history and recent media mentions, see MBR in the Press.
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