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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

Port Ludlow, WA Housing Affordability Index

Port Ludlow, Washington has an MBR Housing Affordability Index score of 90.8 (Near National Average) as of October 30, 2026, ranking 182nd most affordable of 347 scored Washington cities, compared with 82.2 statewide and 97.4 nationally. On a median-priced $635,600 home with 20% down, the Washington average 30-year fixed rate of 7.32% means a monthly principal and interest payment of about $3,492, or 44% of the city’s $96,103 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Port Ludlow 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.

Port Ludlow MBR-HAI 90.8 Near National Average
Rank in Washington 182 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 $635,600 U.S. Census Bureau

Port Ludlow is 8.6 points above the Washington score. Scores as of October 30, 2026. See the Washington index

View Port Ludlow Mortgage Rates

What It Takes to Buy in Port Ludlow

$3,492/mo
Principal & Interest
Median home, 20% down, 7.32%
$149,700
Income Needed
To keep the payment at 28% of income
$96,103
Median Household Income
Washington: $98,141
6.6x
Price-to-Income Ratio
Washington: 5.8x
$1,497/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,576/yr
Median Property Tax
0.56% of median value
33.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
16.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Port Ludlow Ranks in Washington

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Cite the Port Ludlow Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Port Ludlow, Washington score: 90.8 (Near National Average), ranked 182 of 347 Washington cities. monitorbankrates.com/housing-affordability-index/washington/port-ludlow”