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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

Dewey Beach, DE Housing Affordability Index

Dewey Beach, Delaware has an MBR Housing Affordability Index score of 80.6 (Moderately Less Affordable) as of October 30, 2026, ranking 58th most affordable of 59 scored Delaware cities, compared with 103.6 statewide and 97.4 nationally. On a median-priced $961,300 home with 20% down, the Delaware average 30-year fixed rate of 7.37% means a monthly principal and interest payment of about $5,306, or 60% of the city’s $105,625 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Dewey Beach 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.

Dewey Beach MBR-HAI 80.6 Moderately Less Affordable
Rank in Delaware 58 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 $961,300 U.S. Census Bureau

Dewey Beach is 23.0 points below the Delaware score. Scores as of October 30, 2026. See the Delaware index

View Dewey Beach Mortgage Rates

What It Takes to Buy in Dewey Beach

$5,306/mo
Principal & Interest
Median home, 20% down, 7.37%
$227,400
Income Needed
To keep the payment at 28% of income
$105,625
Median Household Income
Delaware: $84,954
9.1x
Price-to-Income Ratio
Delaware: 4.1x
$1,742/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,765/yr
Median Property Tax
0.18% of median value
29.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
47.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Dewey Beach Ranks in Delaware

Cities with similar scores
#55Ardentown87.9 #56Fenwick Island84.8 #57Lewes83.0
#58Dewey Beach80.6
#59Arden75.7
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Cite the Dewey Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Dewey Beach, Delaware score: 80.6 (Moderately Less Affordable), ranked 58 of 59 Delaware cities. monitorbankrates.com/housing-affordability-index/delaware/dewey-beach”