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.
| ZIP Code | City | Housing Affordability Index | |
|---|---|---|---|
| 1. | 21539 | Lonaconing | 325 |
| 2. | 21205 | Baltimore | 320 |
| 3. | 21562 | Westernport | 284 |
| 4. | 21538 | Kitzmiller | 278 |
| 5. | 21521 | Barton | 258 |
| 6. | 21830 | Hebron | 257 |
| 7. | 20623 | Cheltenham | 253 |
| 8. | 21672 | Toddville | 249 |
| 9. | 21675 | Wingate | 244 |
| 10. | 21835 | Linkwood | 238 |
| 11. | 21545 | Mount Savage | 236 |
| 12. | 21555 | Oldtown | 234 |
| 13. | 21917 | Colora | 223 |
| 14. | 21869 | Vienna | 222 |
| 15. | 21216 | Baltimore | 222 |
| 16. | 20615 | Broomes Island | 219 |
| 17. | 21861 | Sharptown | 218 |
| 18. | 21077 | Harmans | 213 |
| 19. | 20689 | Sunderland | 211 |
| 20. | 21643 | Hurlock | 211 |
