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.
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 | 110.6 | More Affordable Than Avg |
| 19 | Nebraska | 109.7 | Near National Average |
| 20 | Georgia | 107.4 | Near National Average |
| 21 | North Carolina You are here | 107.1 | Near National Average |
| 22 | Wisconsin | 107.0 | Near National Average |
| 23 | Wyoming | 105.5 | Near National Average |
| 24 | Delaware | 105.3 | Near National Average |
| ▼ See all 51 state rankings → | |||
Showing states ranked near North Carolina · May 26, 2026 • View complete national rankings →
Download North Carolina HAI Data
2026-05-26,NC,107.1,100.0,6.500
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 107.1 on May 26, 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 6.500% 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 107.1 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 6.500%, and the index outperforms the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. North Carolina: 107.1 (Near National Average), rank #21 of 51 states. 30-yr mortgage avg: 6.50%. 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 107.1 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 6.50% 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
- Embargo-friendly releases: give us 24 hours notice for scheduled coverage
- Background interviews: methodology, market context, or commentary on rate moves
- Direct contact: contact form or reply to any address listed there
For our published citation history and recent media mentions, see MBR in the Press.
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