North Carolina Housing Affordability Index
North Carolina’s MBR Housing Affordability Index score is 104.2 (Near National Average) as of October 14, 2026, ranking 21st most affordable of 51 states, compared with a national score of 97.1. On a median-priced $288,900 home in North Carolina with 20% down, the current 7.41% 30-year fixed rate means a monthly principal and interest payment of about $1,601, or 27% of the state’s $72,388 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) 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. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 14, 2026, with North Carolina outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
Free to reuse with the citation shown on the image.
North Carolina Affordability Ranking
North Carolina MBR-HAI · 90-Day Trend
Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.
Key Affordability Factors · North Carolina
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How North Carolina Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 17 states → | |||
| 18 | Pennsylvania | 108.0 | Near National Average |
| 19 | Nebraska | 106.2 | Near National Average |
| 20 | Georgia | 105.5 | Near National Average |
| 21 | North Carolina You are here | 104.2 | Near National Average |
| 22 | Wisconsin | 103.6 | Near National Average |
| 23 | Tennessee | 103.4 | Near National Average |
| 24 | Delaware | 103.2 | Near National Average |
| ▼ See all 51 state rankings → | |||
Showing states ranked near North Carolina · October 14, 2026 • View complete national rankings →
Download North Carolina HAI Data
2026-10-13,NC,104.2,97.1,7.407
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · North Carolina
Ready-to-publish sentences using today's North Carolina data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live North Carolina score. Free for editorial use with attribution to MonitorBankRates.
In North Carolina, the MonitorBankRates (MBR) Housing Affordability Index stood at 104.2 on October 14, 2026, ranking #21 of 51 U.S. states for homeownership affordability and indicating near national average conditions relative to the national baseline. The state-level reading combines North Carolina's 30-year mortgage rate average of 7.407% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“North Carolina's MonitorBankRates (MBR) Housing Affordability Index score of 104.2 places it #21 of 51 nationwide. Above the 100 baseline, that means buyer purchasing power in North Carolina is stronger than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.407%, and the index outperforms the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. North Carolina: 104.2 (Near National Average), rank #21 of 51 states. 30-yr mortgage avg: 7.41%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/north-carolina/
Housing affordability in North Carolina is currently sitting at 104.2 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #21 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, North Carolina's 30-year mortgage rate of 7.41% reflects near national average conditions for local buyers. The state outperforms the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for North Carolina homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The North Carolina MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: North Carolina metros, MSAs, or historical slices on request
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For our published citation history and recent media mentions, see MBR in the Press.
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