North Carolina Housing Affordability Index

Daily affordability score for North Carolina compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

North Carolina

108.9

Near National Average

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #25 of 51 states

vs. National Average +8.3 points

30-yr Rate Used 6.833%

Median Home Value $288,900

Median Household Income $72,388

View all state rankings →

North Carolina Affordability Ranking

#25 of 51 states — April 10, 2026 Near the middle

Most Affordable Least Affordable

More affordable than: 26 of 51 states (51%)

Less affordable than: 24 of 51 states (47%)

MBR-HAI Score: 108.9 vs. national 100.6 (+8.3 points)

Nearby States

↑ 22 more affordable states above

#23 WI 109.6

#24 ID 109.4

#25 North Carolina ◀ 108.9

#26 AK 108.1

#27 TN 107.9

↓ 24 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

North Carolina MBR-HAI — 90-Day Trend

North Carolina

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — North Carolina

$288,900

Median Home Value

U.S. median: varies by state

$72,388

Median Household Income

U.S. median: $80,734

4.0x

Price-to-Income Ratio

Home value ÷ income

$1,135/mo

Median Owner Costs

18.8% of income annually

$1,944/yr

Median Property Tax

0.67% effective rate

65.4%

Homeownership Rate

U.S. average: 65.7%

24.4%

Owner Cost Burden

% spending 30%+ of income on housing

6.833%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How North Carolina Ranks Among All States

#25

of 51 states

Least Affordable Most Affordable

North Carolina is more affordable than 52% of U.S. states — Near National Average

108.9

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 21 states →
22	Wyoming	110.4	More Affordable Than Avg
23	Wisconsin	109.6	Near National Average
24	Idaho	109.4	Near National Average
25	North Carolina You are here	108.9	Near National Average
26	Alaska	108.1	Near National Average
27	Tennessee	107.9	Near National Average
28	Illinois	106.9	Near National Average
▼ See all 51 state rankings →

Showing states ranked near North Carolina — April 10, 2026 • View complete national rankings →

Download North Carolina HAI Data

North Carolina History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,NC,108.9,100.6,6.833                

Download NC History (CSV)

All 51 States (CSV)

Compare North Carolina to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how North Carolina ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

North Carolina Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in North Carolina.