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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

Kachemak, AK Housing Affordability Index

Kachemak, Alaska has an MBR Housing Affordability Index score of 82.8 (Moderately Less Affordable) as of October 30, 2026, ranking 155th most affordable of 158 scored Alaska cities, compared with 98.5 statewide and 97.4 nationally. On a median-priced $450,000 home with 20% down, the Alaska average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $2,454, or 38% of the city’s $76,750 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Kachemak is updated every night from live Alaska 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.

Kachemak MBR-HAI 82.8 Moderately Less Affordable
Rank in Alaska 155 of 158 1 = most affordable
Alaska 98.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.24% Alaska lenders
Median home value $450,000 U.S. Census Bureau

Kachemak is 15.7 points below the Alaska score. Scores as of October 30, 2026. See the Alaska index

View Kachemak Mortgage Rates

What It Takes to Buy in Kachemak

$2,454/mo
Principal & Interest
Median home, 20% down, 7.24%
$105,200
Income Needed
To keep the payment at 28% of income
$76,750
Median Household Income
Alaska: $92,788
5.9x
Price-to-Income Ratio
Alaska: 3.8x
$1,230/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,543/yr
Median Property Tax
0.57% of median value
31.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
52.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Kachemak Ranks in Alaska

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Cite the Kachemak Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kachemak, Alaska score: 82.8 (Moderately Less Affordable), ranked 155 of 158 Alaska cities. monitorbankrates.com/housing-affordability-index/alaska/kachemak”