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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

Kotzebue, AK Housing Affordability Index

Kotzebue, Alaska has an MBR Housing Affordability Index score of 148.9 (Highly Affordable) as of October 30, 2026, ranking 73rd most affordable of 158 scored Alaska cities, compared with 98.5 statewide and 97.4 nationally. On a median-priced $288,400 home with 20% down, the Alaska average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $1,573, or 17% of the city’s $110,357 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Kotzebue 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.

Kotzebue MBR-HAI 148.9 Highly Affordable
Rank in Alaska 73 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 $288,400 U.S. Census Bureau

Kotzebue is 50.5 points above the Alaska score. Scores as of October 30, 2026. See the Alaska index

View Kotzebue Mortgage Rates

What It Takes to Buy in Kotzebue

$1,573/mo
Principal & Interest
Median home, 20% down, 7.24%
$67,400
Income Needed
To keep the payment at 28% of income
$110,357
Median Household Income
Alaska: $92,788
2.6x
Price-to-Income Ratio
Alaska: 3.8x
$827/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,241/yr
Median Property Tax
Alaska figure
15.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
15.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Kotzebue Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kotzebue, Alaska score: 148.9 (Highly Affordable), ranked 73 of 158 Alaska cities. monitorbankrates.com/housing-affordability-index/alaska/kotzebue”