Washington Housing Affordability Index

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

Live Score

Washington

94.2

Near National Average

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #44 of 51 states

vs. National Average -6.4 points

30-yr Rate Used 6.597%

Median Home Value $564,600

Median Household Income $98,141

View all state rankings →

Washington Affordability Ranking

#44 of 51 states — April 10, 2026 Bottom 20% least affordable

Most Affordable Least Affordable

More affordable than: 7 of 51 states (14%)

Less affordable than: 43 of 51 states (84%)

MBR-HAI Score: 94.2 vs. national 100.6 (-6.4 points)

Nearby States

↑ 41 more affordable states above

#42 DC 95.5

#43 CT 95.5

#44 Washington ◀ 94.2

#45 NH 94.1

#46 NJ 91.9

↓ 5 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 →

Washington MBR-HAI — 90-Day Trend

Washington

National Average

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

Key Affordability Factors — Washington

$564,600

Median Home Value

U.S. median: varies by state

$98,141

Median Household Income

U.S. median: $80,734

5.8x

Price-to-Income Ratio

Home value ÷ income

$1,842/mo

Median Owner Costs

22.5% of income annually

$4,627/yr

Median Property Tax

0.82% effective rate

63.6%

Homeownership Rate

U.S. average: 65.7%

29.5%

Owner Cost Burden

% spending 30%+ of income on housing

6.597%

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 Washington Ranks Among All States

#44

of 51 states

Least Affordable Most Affordable

Washington is more affordable than 14% of U.S. states — Near National Average

94.2

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 40 states →
41	Vermont	97.3	Near National Average
42	Dist. of Columbia	95.5	Near National Average
43	Connecticut	95.5	Near National Average
44	Washington You are here	94.2	Near National Average
45	New Hampshire	94.1	Near National Average
46	New Jersey	91.9	Near National Average
47	Rhode Island	90.6	Near National Average
▼ See all 51 state rankings →

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

Download Washington HAI Data

Washington History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-11,WA,94.2,100.6,6.597                

Download WA History (CSV)

All 51 States (CSV)

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

HAI Methodology

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

Washington Mortgage Rates

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