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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

White Swan, WA Housing Affordability Index

White Swan, Washington has an MBR Housing Affordability Index score of 171.2 (Highly Affordable) as of October 30, 2026, ranking 9th most affordable of 347 scored Washington cities, compared with 82.2 statewide and 97.4 nationally. On a median-priced $109,100 home with 20% down, the Washington average 30-year fixed rate of 7.32% means a monthly principal and interest payment of about $599, or 12% of the city’s $60,234 median household income.

The MBR Housing Affordability Index (MBR-HAI) for White Swan 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.

White Swan MBR-HAI 171.2 Highly Affordable
Rank in Washington 9 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 $109,100 U.S. Census Bureau

White Swan is 89.0 points above the Washington score. Scores as of October 30, 2026. See the Washington index

View White Swan Mortgage Rates

What It Takes to Buy in White Swan

$599/mo
Principal & Interest
Median home, 20% down, 7.32%
$25,700
Income Needed
To keep the payment at 28% of income
$60,234
Median Household Income
Washington: $98,141
1.8x
Price-to-Income Ratio
Washington: 5.8x
$371/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,627/yr
Median Property Tax
Washington figure
100.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
31.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the White Swan Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. White Swan, Washington score: 171.2 (Highly Affordable), ranked 9 of 347 Washington cities. monitorbankrates.com/housing-affordability-index/washington/white-swan”