Washington Housing Affordability Index
Washington’s MBR Housing Affordability Index score is 81.9 (Moderately Less Affordable) as of October 13, 2026, ranking 44th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $564,600 home in Washington with 20% down, the current 7.48% 30-year fixed rate means a monthly principal and interest payment of about $3,153, or 39% of the state’s $98,141 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) 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. 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 13, 2026, with Washington 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.
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Washington Affordability Ranking
Washington 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 · Washington
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How Washington Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 40 states → | |||
| 41 | New Hampshire | 85.9 | Moderately Less Affordable |
| 42 | New Jersey | 83.4 | Moderately Less Affordable |
| 43 | Colorado | 83.0 | Moderately Less Affordable |
| 44 | Washington You are here | 81.9 | Moderately Less Affordable |
| 45 | Rhode Island | 80.7 | Moderately Less Affordable |
| 46 | New York | 79.8 | Moderately Less Affordable |
| 47 | Oregon | 77.8 | Moderately Less Affordable |
| ▼ See all 51 state rankings → | |||
Showing states ranked near Washington · October 13, 2026 • View complete national rankings →
Download Washington HAI Data
2026-10-13,WA,81.9,97.1,7.484
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · Washington
Ready-to-publish sentences using today's Washington 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 Washington score. Free for editorial use with attribution to MonitorBankRates.
In Washington, the MonitorBankRates (MBR) Housing Affordability Index stood at 81.9 on October 13, 2026, ranking #44 of 51 U.S. states for homeownership affordability and indicating moderately less affordable conditions relative to the national baseline. The state-level reading combines Washington's 30-year mortgage rate average of 7.484% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“Washington's MonitorBankRates (MBR) Housing Affordability Index score of 81.9 places it #44 of 51 nationwide. Below the 100 baseline, that means buyer purchasing power in Washington is weaker than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.484%, and the index lags the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. Washington: 81.9 (Moderately Less Affordable), rank #44 of 51 states. 30-yr mortgage avg: 7.48%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/washington/
Housing affordability in Washington is currently sitting at 81.9 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #44 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, Washington's 30-year mortgage rate of 7.48% reflects moderately less affordable conditions for local buyers. The state lags the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for Washington homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The Washington MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: Washington metros, MSAs, or historical slices on request
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