The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
| Name | County | Housing Affordability Index | |
|---|---|---|---|
| 1. | Potomac Heights Census Designated Place | Charles | 282 |
| 2. | Mount Savage Census Designated Place | Allegany | 214 |
| 3. | Town of Barton | Allegany | 203 |
| 4. | Franklin Census Designated Place | Allegany | 199 |
| 5. | Town of Goldsboro | Caroline | 192 |
| 6. | Town of Lonaconing | Allegany | 189 |
| 7. | Grahamtown Census Designated Place | Allegany | 184 |
| 8. | Town of Westernport | Allegany | 179 |
| 9. | Moscow Census Designated Place | Allegany | 174 |
| 10. | Town of Hebron | Wicomico | 168 |
| 11. | McCoole Census Designated Place | Allegany | 166 |
| 12. | Potomac Park Census Designated Place | Allegany | 161 |
| 13. | Smith Island Census Designated Place | Somerset | 159 |
| 14. | Bowling Green Census Designated Place | Allegany | 159 |
| 15. | Bel Air Census Designated Place | Allegany | 158 |
| 16. | Pleasant Grove | Baltimore | 153 |
| 17. | Dargan Census Designated Place | Washington | 149 |
| 18. | Lewistown Census Designated Place | Frederick | 149 |
| 19. | Bier Census Designated Place | Allegany | 142 |
| 20. | La Vale Census Designated Place | Allegany | 141 |