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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

Bear, DE Housing Affordability Index

Bear, Delaware has an MBR Housing Affordability Index score of 110.8 (More Affordable Than Average) as of October 30, 2026, ranking 26th most affordable of 59 scored Delaware cities, compared with 103.6 statewide and 97.4 nationally. On a median-priced $304,800 home with 20% down, the Delaware average 30-year fixed rate of 7.37% means a monthly principal and interest payment of about $1,682, or 22% of the city’s $91,687 median household income.

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

Bear MBR-HAI 110.8 More Affordable Than Average
Rank in Delaware 26 of 59 1 = most affordable
Delaware 103.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.37% Delaware lenders
Median home value $304,800 U.S. Census Bureau

Bear is 7.2 points above the Delaware score. Scores as of October 30, 2026. See the Delaware index

View Bear Mortgage Rates

What It Takes to Buy in Bear

$1,682/mo
Principal & Interest
Median home, 20% down, 7.37%
$72,100
Income Needed
To keep the payment at 28% of income
$91,687
Median Household Income
Delaware: $84,954
3.3x
Price-to-Income Ratio
Delaware: 4.1x
$1,562/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,400/yr
Median Property Tax
0.79% of median value
27.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
43.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Bear Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bear, Delaware score: 110.8 (More Affordable Than Average), ranked 26 of 59 Delaware cities. monitorbankrates.com/housing-affordability-index/delaware/bear”