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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

Long Beach, IN Housing Affordability Index

Long Beach, Indiana has an MBR Housing Affordability Index score of 93.5 (Near National Average) as of October 30, 2026, ranking 612th most affordable of 621 scored Indiana cities, compared with 123.6 statewide and 97.4 nationally. On a median-priced $672,300 home with 20% down, the Indiana average 30-year fixed rate of 7.41% means a monthly principal and interest payment of about $3,727, or 37% of the city’s $121,827 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Long Beach is updated every night from live Indiana 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.

Long Beach MBR-HAI 93.5 Near National Average
Rank in Indiana 612 of 621 1 = most affordable
Indiana 123.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.41% Indiana lenders
Median home value $672,300 U.S. Census Bureau

Long Beach is 30.1 points below the Indiana score. Scores as of October 30, 2026. See the Indiana index

View Long Beach Mortgage Rates

What It Takes to Buy in Long Beach

$3,727/mo
Principal & Interest
Median home, 20% down, 7.41%
$159,700
Income Needed
To keep the payment at 28% of income
$121,827
Median Household Income
Indiana: $71,957
5.5x
Price-to-Income Ratio
Indiana: 3.0x
$1,525/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,752/yr
Median Property Tax
0.86% of median value
30.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
18.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Long Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Long Beach, Indiana score: 93.5 (Near National Average), ranked 612 of 621 Indiana cities. monitorbankrates.com/housing-affordability-index/indiana/long-beach”