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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

Langley, WA Housing Affordability Index

Langley, Washington has an MBR Housing Affordability Index score of 67.0 (Significantly Less Affordable) as of October 30, 2026, ranking 345th most affordable of 347 scored Washington cities, compared with 82.2 statewide and 97.4 nationally. On a median-priced $700,700 home with 20% down, the Washington average 30-year fixed rate of 7.32% means a monthly principal and interest payment of about $3,850, or 60% of the city’s $77,072 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Langley 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.

Langley MBR-HAI 67.0 Significantly Less Affordable
Rank in Washington 345 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 $700,700 U.S. Census Bureau

Langley is 15.2 points below the Washington score. Scores as of October 30, 2026. See the Washington index

View Langley Mortgage Rates

What It Takes to Buy in Langley

$3,850/mo
Principal & Interest
Median home, 20% down, 7.32%
$165,000
Income Needed
To keep the payment at 28% of income
$77,072
Median Household Income
Washington: $98,141
9.1x
Price-to-Income Ratio
Washington: 5.8x
$1,600/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,471/yr
Median Property Tax
0.64% of median value
49.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
63.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Langley Ranks in Washington

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Cite the Langley Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Langley, Washington score: 67.0 (Significantly Less Affordable), ranked 345 of 347 Washington cities. monitorbankrates.com/housing-affordability-index/washington/langley”