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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

Belhaven, NC Housing Affordability Index

Belhaven, North Carolina has an MBR Housing Affordability Index score of 120.3 (Highly Affordable) as of October 30, 2026, ranking 236th most affordable of 587 scored North Carolina cities, compared with 104.6 statewide and 97.4 nationally. On a median-priced $103,000 home with 20% down, the North Carolina average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $563, or 21% of the city’s $32,644 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Belhaven 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.

Belhaven MBR-HAI 120.3 Highly Affordable
Rank in North Carolina 236 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 $103,000 U.S. Census Bureau

Belhaven is 15.7 points above the North Carolina score. Scores as of October 30, 2026. See the North Carolina index

View Belhaven Mortgage Rates

What It Takes to Buy in Belhaven

$563/mo
Principal & Interest
Median home, 20% down, 7.26%
$24,100
Income Needed
To keep the payment at 28% of income
$32,644
Median Household Income
North Carolina: $72,388
3.2x
Price-to-Income Ratio
North Carolina: 4.0x
$806/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,162/yr
Median Property Tax
1.13% of median value
45.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Belhaven Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Belhaven, North Carolina score: 120.3 (Highly Affordable), ranked 236 of 587 North Carolina cities. monitorbankrates.com/housing-affordability-index/north-carolina/belhaven”