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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

New Smyrna Beach, FL Housing Affordability Index

New Smyrna Beach, Florida has an MBR Housing Affordability Index score of 94.2 (Near National Average) as of October 30, 2026, ranking 299th most affordable of 479 scored Florida cities, compared with 92.5 statewide and 97.4 nationally. On a median-priced $395,300 home with 20% down, the Florida average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $2,134, or 31% of the city’s $83,865 median household income.

The MBR Housing Affordability Index (MBR-HAI) for New Smyrna Beach is updated every night from live Florida 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.

New Smyrna Beach MBR-HAI 94.2 Near National Average
Rank in Florida 299 of 479 1 = most affordable
Florida 92.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.14% Florida lenders
Median home value $395,300 U.S. Census Bureau

New Smyrna Beach is 1.7 points above the Florida score. Scores as of October 30, 2026. See the Florida index

View New Smyrna Beach Mortgage Rates

What It Takes to Buy in New Smyrna Beach

$2,134/mo
Principal & Interest
Median home, 20% down, 7.14%
$91,400
Income Needed
To keep the payment at 28% of income
$83,865
Median Household Income
Florida: $74,568
4.7x
Price-to-Income Ratio
Florida: 4.8x
$1,362/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,449/yr
Median Property Tax
0.87% of median value
31.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
54.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the New Smyrna Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. New Smyrna Beach, Florida score: 94.2 (Near National Average), ranked 299 of 479 Florida cities. monitorbankrates.com/housing-affordability-index/florida/new-smyrna-beach”