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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

Bald Head Island, NC Housing Affordability Index

Bald Head Island, North Carolina has an MBR Housing Affordability Index score of 73.1 (Moderately Less Affordable) as of October 30, 2026, ranking 577th most affordable of 587 scored North Carolina cities, compared with 104.6 statewide and 97.4 nationally. On a median-priced $1,367,200 home with 20% down, a jumbo loan at 7.51% means a monthly principal and interest payment of about $7,655, or 44% of the city’s $209,219 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bald Head Island is updated every night from live North Carolina 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.

Bald Head Island MBR-HAI 73.1 Moderately Less Affordable
Rank in North Carolina 577 of 587 1 = most affordable
North Carolina 104.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% North Carolina lenders
Median home value $1,367,200 U.S. Census Bureau

Bald Head Island is 31.5 points below the North Carolina score. Scores as of October 30, 2026. See the North Carolina index

View Bald Head Island Mortgage Rates

What It Takes to Buy in Bald Head Island

$7,655/mo
Principal & Interest
Median home, 20% down, 7.51% jumbo
$328,100
Income Needed
To keep the payment at 28% of income
$209,219
Median Household Income
North Carolina: $72,388
6.5x
Price-to-Income Ratio
North Carolina: 4.0x
$3,672/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$9,539/yr
Median Property Tax
0.70% of median value
25.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
47.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bald Head Island, North Carolina. The rate is the North Carolina average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

How Bald Head Island Ranks in North Carolina

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Cite the Bald Head Island Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bald Head Island, North Carolina score: 73.1 (Moderately Less Affordable), ranked 577 of 587 North Carolina cities. monitorbankrates.com/housing-affordability-index/north-carolina/bald-head-island”