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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

Fairfield, WA Housing Affordability Index

Fairfield, Washington has an MBR Housing Affordability Index score of 123.4 (Highly Affordable) as of October 30, 2026, ranking 48th most affordable of 347 scored Washington cities, compared with 82.2 statewide and 97.4 nationally. On a median-priced $249,100 home with 20% down, the Washington average 30-year fixed rate of 7.32% means a monthly principal and interest payment of about $1,369, or 20% of the city’s $81,923 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fairfield is updated every night from live Washington 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.

Fairfield MBR-HAI 123.4 Highly Affordable
Rank in Washington 48 of 347 1 = most affordable
Washington 82.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.32% Washington lenders
Median home value $249,100 U.S. Census Bureau

Fairfield is 41.2 points above the Washington score. Scores as of October 30, 2026. See the Washington index

View Fairfield Mortgage Rates

What It Takes to Buy in Fairfield

$1,369/mo
Principal & Interest
Median home, 20% down, 7.32%
$58,700
Income Needed
To keep the payment at 28% of income
$81,923
Median Household Income
Washington: $98,141
3.0x
Price-to-Income Ratio
Washington: 5.8x
$1,613/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,260/yr
Median Property Tax
0.91% of median value
31.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
17.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Fairfield, Washington. The rate is the Washington average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Fairfield Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fairfield, Washington score: 123.4 (Highly Affordable), ranked 48 of 347 Washington cities. monitorbankrates.com/housing-affordability-index/washington/fairfield”