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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
North Carolina Housing Affordability Index | MonitorBankRates (MBR-HAI)

North Carolina Housing Affordability Index

North Carolina’s MBR Housing Affordability Index score is 104.6 (Near National Average) as of October 30, 2026, ranking 21st most affordable of 51 states, compared with a national score of 97.4. On a median-priced $288,900 home in North Carolina with 20% down, the current 7.26% 30-year fixed rate means a monthly principal and interest payment of about $1,578, or 26% 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.

North Carolina MBR-HAI 104.6 Near National Average
National 97.4 Near National Average
Rank 21 of 51 1 = most affordable
Avg 30-yr rate 7.26% North Carolina lenders
Median home value $288,900 U.S. Census Bureau
Median income $72,388 U.S. Census Bureau

North Carolina is 7.2 points above the national score. Scores as of October 30, 2026, unchanged from the prior day. View all state rankings

View North Carolina Mortgage Rates

See What You Can Afford in North Carolina

Use this North Carolina home affordability calculator to see how much house you can afford at today’s North Carolina average 30-year mortgage rate of 7.26%. A household earning the North Carolina median income of $72,388, with no other debts and $58,000 down, can afford a home of about $267,204, compared with a median home value of $288,900. Buying the median priced home with 20% down takes a household income of about $79,700 once property tax and insurance are counted.

North Carolina median (Census)
Car, student loan, card minimums
Under 20% adds PMI
North Carolina average, 30-year fixed
North Carolina median bill (Census)
Estimate; use your quote
You can afford a home up to
$267,204
Below the North Carolina median home value of $288,900
Loan amount$209,204
Principal & interest$1,429/mo
Property tax$149/mo
Home insurance$111/mo
PMI$0/mo
Total monthly payment$1,689/mo
Compare North Carolina Mortgage Rates

How much house can you afford in North Carolina?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In North Carolina, property taxes run about 0.67% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $4,472 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

Housing Affordability Across U.S. States

MBR-HAI score for every state as of October 30, 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.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
Highly Affordable (120+) More Affordable (110-119) Near Average (90-109) Moderately Less (70-89) Significantly Less (50-69) Least Affordable (under 50)

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.

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North Carolina Affordability Ranking

#21 of 51 states · October 30, 2026 More affordable than average
Most Affordable Least Affordable
More affordable than: 30 of 51 states (59%)
Less affordable than: 20 of 51 states (39%)
MBR-HAI Score: 104.6 vs. national 97.4 (+7.2 points)
Nearby States
↑ 18 more affordable states above
#19 NE 106.6
#20 GA 105.8
#21 North Carolina ◀ 104.6
#22 WI 104.4
#23 TN 103.7
↓ 28 less affordable states below
Top 5 Most Affordable
#1 WV 145.2
#2 AR 135.7
#3 AL 134.1
#4 MS 131.1
#5 IA 126.4
Bottom 5 Least Affordable
#47 OR 78.0
#48 DC 77.6
#49 MA 76.0
#50 HI 69.3
#51 CA 67.5

View full 51-state rankings →

North Carolina Cities Ranked by Housing Affordability

MBR-HAI scores for 587 North Carolina cities as of October 30, 2026, from most to least affordable. Each score uses the city’s Census income, home value and housing costs with the North Carolina average 30-year rate. Select a city for its full breakdown.

#1 Falkland 468.5 #2 Calypso 381.0 #3 Ingold 336.7 #4 Hobgood 260.9 #5 Castalia 239.1 #6 Colerain 236.7 #7 Proctorville 236.4 #8 Harmony 224.6 #9 Deep Run 223.0 #10 Oak City 211.3 #11 Lasker 209.8 #12 Rennert 202.7 #13 Bear Grass 202.1 #14 Barnardsville 201.4 #15 Fallston 201.0 #16 Lewiston Woodville 200.8 #17 Momeyer 196.3 #18 Hamilton 193.8 #19 Dudley 192.7 #20 McDonald 190.1 #21 Ossipee 189.3 #22 Staley 189.0 #23 Harrellsville 187.5 #24 Millers Creek 186.4 #25 Sandyfield 184.3 #26 Ivanhoe 184.0 #27 Peachland 183.5 #28 Rocky Point 181.2 #29 Severn 180.3 #30 Lattimore 180.2 #31 Winton 180.0 #32 Atlantic 178.7 #33 Maiden 175.9 #34 Ronda 175.8 #35 Robbins 174.3 #36 Faith 174.0 #37 Robbinsville 174.0 #38 Stony Point 172.4 #39 Cove City 171.6 #40 Salemburg 171.0 #41 Everetts 170.3 #42 Linden 169.7 #43 Nebo 168.0 #44 Faison 167.9 #45 Warsaw 167.5 #46 Casar 167.0 #47 Aurora 166.7 #48 Gaston 166.5 #49 Laurel Hill 166.5 #50 Bladenboro 165.9 #51 Ansonville 165.1 #52 Patterson Springs 165.1 #53 Wagram 164.5 #54 Whitsett 164.4 #55 Iron Station 164.1 #56 Kittrell 163.3 #57 Pantego 162.9 #58 Danbury 160.3 #59 La Grange 160.0 #60 Jamesville 159.8 #61 Hookerton 159.7 #62 Stedman 159.4 #63 Jackson Springs 159.3 #64 Ellerbe 159.1 #65 Elk Park 157.9 #66 Alliance 157.6 #67 Wentworth 156.0 #68 Black Creek 155.2 #69 Rhodhiss 154.7 #70 Seven Devils 154.1 #71 Toast 153.8 #72 Robersonville 153.5 #73 Bethel 153.3 #74 Polkville 152.8 #75 Cofield 152.7 #76 Cherokee 152.2 #77 Franklinville 152.1 #78 White Lake 151.1 #79 Lansing 150.8 #80 Earl 150.8 #81 Stonewall 150.8 #82 Kenansville 150.6 #83 Marietta 150.5 #84 Rutherford College 149.4 #85 Bunnlevel 148.2 #86 Pink Hill 147.9 #87 Pleasant Hill 147.9 #88 Sandy Creek 147.8 #89 Pikeville 147.2 #90 Bailey 147.0 #91 Stantonsburg 146.8 #92 Grantsboro 145.9 #93 Marshallberg 145.6 #94 Seagrove 145.1 #95 Garland 145.1 #96 Lucama 144.7 #97 Pinetops 144.6 #98 Badin 144.6 #99 Newton Grove 143.9 #100 Bolton 143.6 #101 Roxobel 143.4 #102 Bogue 143.1 #103 Rich Square 142.8 #104 Glen Alpine 142.6 #105 Sharpsburg 142.0 #106 Weldon 141.9 #107 Kingstown 141.7 #108 Fairplains 141.7 #109 Davis 141.6 #110 Parmele 141.5 #111 Fairview 141.3 #112 Walstonburg 141.3 #113 Trinity 141.1 #114 Polkton 141.1 #115 Pleasant Garden 141.0 #116 Macclesfield 140.8 #117 Windsor 140.3 #118 Icard 140.2 #119 Watha 139.9 #120 Conetoe 139.8 #121 Pinebluff 139.7 #122 Lumber Bridge 139.6 #123 Dobbins Heights 139.5 #124 Carthage 139.0 #125 Cordova 138.9 #126 Ellenboro 138.9 #127 Welcome 138.9 #128 Andrews 138.7 #129 Marion 138.6 #130 Eden 138.5 #131 Atkinson 138.1 #132 Littleton 137.3 #133 Autryville 136.9 #134 Boonville 136.8 #135 Old Fort 136.7 #136 Lilesville 136.3 #137 Kelly 136.1 #138 Chadbourn 135.9 #139 Marshville 135.6 #140 Princeville 135.3 #141 Chocowinity 135.2 #142 Boiling Springs 135.1 #143 Spring Lake 134.7 #144 Sims 134.4 #145 Mount Gilead 134.4 #146 Catawba 134.3 #147 Godwin 134.0 #148 Biscoe 134.0 #149 Cameron 133.8 #150 Ruth 133.7 #151 Stem 133.6 #152 Marble 133.4 #153 Askewville 133.2 #154 Midway 132.9 #155 Hays 132.8 #156 Powellsville 132.6 #157 Hollister 132.2 #158 Walkertown 132.2 #159 Saxapahaw 131.9 #160 Elm City 131.8 #161 Holly Ridge 131.6 #162 McAdenville 131.6 #163 Tobaccoville 131.5 #164 Bostic 131.4 #165 Haw River 131.1 #166 Ranlo 131.0 #167 Garysburg 130.9 #168 Hamlet 130.8 #169 Misenheimer 130.8 #170 Sawmills 130.7 #171 Candor 130.6 #172 Roper 130.5 #173 Landis 130.4 #174 East Bend 130.4 #175 Thomasville 130.1 #176 Troy 130.1 #177 Rougemont 129.9 #178 Gamewell 129.8 #179 Grover 129.8 #180 Swepsonville 129.8 #181 Mooresboro 129.6 #182 Lawndale 129.5 #183 Conway 129.3 #184 Dublin 129.2 #185 Red Oak 128.9 #186 Drexel 128.8 #187 Maysville 128.8 #188 Magnolia 128.7 #189 Connelly Springs 128.6 #190 Rose Hill 128.4 #191 Pollocksville 127.9 #192 Cooleemee 127.7 #193 Walnut Creek 127.1 #194 Plymouth 126.5 #195 Wrightsboro 126.3 #196 Fair Bluff 126.1 #197 Stovall 126.0 #198 Williamston 125.6 #199 Germanton 125.4 #200 Flat Rock 125.4 #201 Roanoke Rapids 125.3 #202 Newton 125.1 #203 Eastover 124.8 #204 Jamestown 124.8 #205 Green Level 124.5 #206 Cajah's Mountain 124.2 #207 Macon 124.1 #208 East Spencer 124.1 #209 Richfield 124.1 #210 Trent Woods 123.9 #211 Vandemere 123.5 #212 Gatesville 123.5 #213 Cashiers 123.4 #214 Spencer 123.4 #215 Parkton 123.1 #216 Stoneville 123.1 #217 Wade 123.0 #218 Dana 122.9 #219 Red Cross 122.8 #220 Navassa 122.6 #221 Rocky Mount 122.4 #222 Sedalia 122.3 #223 Archdale 122.2 #224 Yadkinville 121.8 #225 Dover 121.5 #226 Fremont 121.4 #227 Enfield 121.3 #228 Tabor City 121.3 #229 Claremont 120.7 #230 Norlina 120.7 #231 Butner 120.6 #232 Dortches 120.6 #233 East Flat Rock 120.5 #234 Four Oaks 120.5 #235 Lowgap 120.5 #236 Belhaven 120.3 #237 Mayodan 120.3 #238 Gibson 120.2 #239 Mount Olive 120.2 #240 Rockwell 120.1 #241 Stokesdale 120.0 #242 Mount Pleasant 120.0 #243 Henderson 119.9 #244 Gibsonville 119.9 #245 Woodland 119.9 #246 Lewisville 119.6 #247 Pine Level 119.5 #248 Peletier 119.4 #249 Bethania 119.3 #250 Lillington 119.2 #251 Rosman 119.1 #252 Whitakers 118.9 #253 Belwood 118.9 #254 Saratoga 118.9 #255 Long View 118.6 #256 Roseboro 118.5 #257 Jonesville 118.4 #258 Star 118.2 #259 Carolina Shores 118.1 #260 Wadesboro 118.1 #261 Unionville 118.0 #262 Lenoir 118.0 #263 Minnesott Beach 117.7 #264 Sugar Mountain 117.6 #265 Swansboro 117.5 #266 Clyde 117.4 #267 Winterville 117.3 #268 Wanchese 117.1 #269 Oak Ridge 117.1 #270 Hope Mills 116.9 #271 Harrisburg 116.8 #272 Riegelwood 116.8 #273 Fairmont 116.6 #274 Sneads Ferry 116.6 #275 Wallburg 116.4 #276 Erwin 116.4 #277 Siler City 116.4 #278 Reidsville 116.3 #279 Hildebran 116.1 #280 Nashville 116.1 #281 Granite Falls 115.9 #282 Advance 115.7 #283 Randleman 115.5 #284 East Arcadia 115.4 #285 Mesic 115.2 #286 Bessemer City 115.1 #287 Laurinburg 115.0 #288 Sylva 115.0 #289 White Plains 114.9 #290 Canton 114.8 #291 Summerfield 114.7 #292 Hot Springs 114.7 #293 Madison 114.6 #294 Washington Park 114.6 #295 Hayesville 114.5 #296 Kinston 114.4 #297 Seaboard 114.1 #298 Aulander 113.9 #299 Mars Hill 113.9 #300 New London 113.9 #301 Burlington 113.8 #302 Coinjock 113.7 #303 Cherryville 113.6 #304 Hudson 113.2 #305 Creedmoor 113.2 #306 Maggie Valley 113.1 #307 Oakboro 113.0 #308 Franklin 112.5 #309 Richlands 112.4 #310 River Bend 112.3 #311 Teachey 112.0 #312 Moyock 112.0 #313 Indian Trail 111.9 #314 Whispering Pines 111.6 #315 Mills River 111.6 #316 Wingate 111.5 #317 Norwood 111.4 #318 Valdese 111.3 #319 Burgaw 111.2 #320 West Jefferson 111.2 #321 Fayetteville 111.0 #322 Elkin 111.0 #323 Denton 110.9 #324 Marshall 110.6 #325 High Shoals 110.2 #326 Southmont 109.9 #327 Belville 109.9 #328 Beech Mountain 109.9 #329 Stallings 109.7 #330 Harrells 109.7 #331 Havelock 109.3 #332 Kings Mountain 109.2 #333 Maxton 109.1 #334 Archer Lodge 109.1 #335 Vass 109.1 #336 Dillsboro 109.1 #337 Wallace 109.1 #338 Mamers 108.8 #339 Vanceboro 108.6 #340 Beulaville 108.5 #341 Webster 108.5 #342 Montreat 108.4 #343 Rockingham 108.1 #344 Fairfield 108.1 #345 Brunswick 108.0 #346 Mineral Springs 107.8 #347 Graham 107.7 #348 Rural Hall 107.7 #349 Lumberton 107.6 #350 Burnsville 107.4 #351 Aberdeen 107.1 #352 Lexington 107.1 #353 Wendell 107.0 #354 Stanley 106.8 #355 Tarboro 106.7 #356 Elizabeth City 106.6 #357 Bath 106.6 #358 Clemmons 106.5 #359 Hemby Bridge 106.5 #360 Sunset Beach 106.3 #361 Kenly 106.3 #362 Calabash 106.2 #363 Pilot Mountain 106.2 #364 Manns Harbor 106.2 #365 Lowell 106.2 #366 Bunn 106.2 #367 Swannanoa 106.1 #368 Concord 106.0 #369 Efland 106.0 #370 Bayboro 105.9 #371 Coats 105.8 #372 Morven 105.7 #373 Grifton 105.6 #374 Dobson 105.3 #375 White Oak 105.2 #376 Newport 104.9 #377 Spring Hope 104.9 #378 New Bern 104.7 #379 Camden 104.6 #380 Farmville 104.6 #381 Jacksonville 104.6 #382 Shallotte 104.5 #383 Columbus 104.4 #384 Midland 104.4 #385 Etowah 104.4 #386 Ahoskie 104.2 #387 Conover 104.1 #388 Granite Quarry 104.0 #389 Creswell 104.0 #390 Cedar Point 103.9 #391 Knightdale 103.9 #392 Rolesville 103.9 #393 Boiling Spring Lakes 103.8 #394 Alamance 103.6 #395 Mocksville 103.6 #396 Huntersville 103.5 #397 King 103.4 #398 North Wilkesboro 103.3 #399 Apex 103.2 #400 Asheboro 103.2 #401 Hertford 103.1 #402 Kannapolis 103.0 #403 Raeford 102.9 #404 Trenton 102.6 #405 Stokes 102.6 #406 Wake Forest 102.5 #407 Gastonia 102.4 #408 China Grove 102.3 #409 Morrisville 102.2 #410 Troutman 102.1 #411 Cedar Rock 102.1 #412 Spindale 102.0 #413 Matthews 101.8 #414 Albemarle 101.8 #415 Bryson City 101.7 #416 Benson 101.7 #417 Dunn 101.6 #418 Pinehurst 101.5 #419 Simpson 101.5 #420 Shelby 101.4 #421 Scotland Neck 101.3 #422 Denver 101.1 #423 Mount Airy 101.1 #424 Cleveland 101.0 #425 Moravian Falls 100.7 #426 Goldsboro 100.7 #427 Broadway 100.7 #428 Warrenton 100.6 #429 Forest City 100.4 #430 Hickory 100.3 #431 Waxhaw 100.3 #432 Locust 100.3 #433 Walnut Cove 100.2 #434 Wilson 100.2 #435 Charlotte 100.1 #436 High Point 100.1 #437 Morganton 100.0 #438 Lake Waccamaw 99.8 #439 Grandy 99.7 #440 Kernersville 99.6 #441 Bridgeton 99.5 #442 Harkers Island 99.5 #443 Spruce Pine 99.4 #444 Fletcher 99.3 #445 Ramseur 99.3 #446 Mint Hill 99.3 #447 Rutherfordton 99.2 #448 Davidson 99.2 #449 Newland 99.2 #450 Monroe 98.9 #451 Northwest 98.9 #452 Selma 98.9 #453 Leland 98.8 #454 Gold Hill 98.6 #455 Wesley Chapel 98.6 #456 Liberty 98.5 #457 Lake Santeetlah 98.4 #458 Cary 98.3 #459 Snow Hill 98.3 #460 Mebane 98.2 #461 North Topsail Beach 98.2 #462 Oxford 98.2 #463 Varnamtown 98.1 #464 Middlesex 98.1 #465 Murfreesboro 98.1 #466 Cape Carteret 98.1 #467 Southport 98.0 #468 Roxboro 97.8 #469 Edneyville 97.7 #470 Franklinton 97.6 #471 Stanfield 97.5 #472 Micro 97.5 #473 Red Springs 97.5 #474 Holly Springs 97.4 #475 Cullowhee 97.1 #476 Laurel Park 96.9 #477 Clinton 96.9 #478 Hampstead 96.3 #479 Sanford 96.3 #480 Princeton 96.2 #481 Pembroke 96.1 #482 Elon 96.1 #483 Belmont 96.1 #484 Lake Junaluska 95.9 #485 Greensboro 95.9 #486 Yanceyville 95.7 #487 Cramerton 95.6 #488 Mooresville 95.6 #489 Mountain Home 95.1 #490 Ayden 95.1 #491 Black Mountain 94.9 #492 Zebulon 94.7 #493 Clayton 94.6 #494 Greenevers 94.2 #495 Dallas 94.2 #496 Mount Holly 94.2 #497 Waynesville 94.1 #498 Rowland 94.0 #499 Bakersville 93.7 #500 Salisbury 93.5 #501 Winfall 93.5 #502 Jefferson 93.3 #503 Altamahaw 93.3 #504 Wilkesboro 92.8 #505 Garner 92.7 #506 Weddington 92.5 #507 Sparta 92.5 #508 Statesville 92.2 #509 Chimney Rock Village 91.9 #510 Goldston 91.9 #511 Kill Devil Hills 91.5 #512 Taylortown 91.4 #513 Greenville 91.4 #514 Tryon 91.1 #515 Foxfire 91.1 #516 Murphy 90.9 #517 Durham 90.6 #518 Taylorsville 90.5 #519 Nags Head 90.4 #520 Bermuda Run 90.4 #521 Cornelius 90.2 #522 Grandfather Village 90.1 #523 Pine Knoll Shores 89.9 #524 Lake Park 89.3 #525 Indian Beach 88.9 #526 Holden Beach 88.5 #527 Blowing Rock 88.5 #528 Lincolnton 88.4 #529 Southern Pines 88.4 #530 Weaverville 88.2 #531 Caswell Beach 88.2 #532 Kitty Hawk 88.1 #533 Raleigh 88.1 #534 Buies Creek 88.0 #535 Bolivia 87.9 #536 Hillsborough 87.8 #537 Columbia 87.7 #538 Southern Shores 87.7 #539 Grimesland 87.7 #540 Tar Heel 87.0 #541 Washington 86.9 #542 Pittsboro 86.8 #543 Woodfin 86.1 #544 Whiteville 86.1 #545 Oak Island 85.6 #546 Gloucester 85.4 #547 Youngsville 85.2 #548 Hendersonville 84.8 #549 Morehead City 84.7 #550 Banner Elk 84.6 #551 Horse Shoe 84.5 #552 Manteo 84.5 #553 Elizabethtown 84.3 #554 Milton 84.3 #555 Angier 83.7 #556 Clarkton 83.6 #557 Duck 82.9 #558 Ocracoke 82.8 #559 Highlands 82.7 #560 Carolina Beach 82.6 #561 Wilmington 82.1 #562 Emerald Isle 81.9 #563 Ocean Isle Beach 81.2 #564 Pineville 81.1 #565 Beaufort 80.4 #566 Smithfield 80.4 #567 Asheville 80.3 #568 Castle Hayne 80.2 #569 Louisburg 79.5 #570 McLeansville 78.9 #571 Lake Lure 78.5 #572 Atlantic Beach 78.0 #573 Carrboro 77.0 #574 Saluda 76.5 #575 Surf City 74.2 #576 Frisco 73.4 #577 Bald Head Island 73.1 #578 Brevard 73.1 #579 Wrightsville Beach 72.9 #580 Topsail Beach 72.7 #581 Oriental 72.5 #582 Kure Beach 72.3 #583 Chapel Hill 71.7 #584 Edenton 71.0 #585 Biltmore Forest 68.5 #586 Boone 60.9 #587 Avon 59.0

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
7.260%
30-yr Mortgage Rate
State average • October 30, 2026

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

#21
of 51 states
Least Affordable Most Affordable
North Carolina is more affordable than 60% of U.S. states, Near National Average
104.6
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 17 states →
18 Pennsylvania 108.3 Near National Average
19 Nebraska 106.6 Near National Average
20 Georgia 105.8 Near National Average
21 North Carolina You are here 104.6 Near National Average
22 Wisconsin 104.4 Near National Average
23 Tennessee 103.7 Near National Average
24 Delaware 103.6 Near National Average
▼ See all 51 state rankings →

Showing states ranked near North Carolina · October 30, 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
2026-10-30,NC,104.6,97.4,7.260
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)
Cite the North Carolina MBR-HAI
Editorial / press citation
“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. North Carolina score: 104.6 (Near National Average), ranked #21 of 51 states. Methodology: monitorbankrates.com/housing-affordability-index-methodology”
APA 7th edition (academic)
Monitor Bank Rates LLC. (2026, October 30). MonitorBankRates (MBR) Housing Affordability Index: North Carolina [Data set]. https://www.monitorbankrates.com/housing-affordability-index/north-carolina/

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.

News Lead · AP-style, factual

In North Carolina, the MonitorBankRates (MBR) Housing Affordability Index stood at 104.6 on October 30, 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 7.260% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.

Analyst Quote · with voice, attributable

“North Carolina's MonitorBankRates (MBR) Housing Affordability Index score of 104.6 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 7.260%, and the index outperforms the national average.”

Brian McKay, MonitorBankRates

Social Media · concise, share-friendly

🏠 MonitorBankRates (MBR) Housing Affordability Index. North Carolina: 104.6 (Near National Average), rank #21 of 51 states. 30-yr mortgage avg: 7.26%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/north-carolina/

Casual / Blog · conversational

Housing affordability in North Carolina is currently sitting at 104.6 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 7.26% 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.

SubjectHousing affordability snapshot for North Carolina: what it means for your search
Hi [Client Name], Wanted to share a quick affordability snapshot for North Carolina from the MonitorBankRates (MBR) Housing Affordability Index, a daily-updated composite that tracks how affordable U.S. homeownership is right now. North Carolina's current reading: 104.6 (Near National Average), rank #21 of 51 states National reading: 97.430-year mortgage rate average in North Carolina: 7.260% The index baseline of 100 represents long-run typical conditions at a 6.5% reference rate. North Carolina currently outperforms the national average. For full state context (including the 90-day trend, key affordability factors, and how North Carolina compares to neighboring states) see: https://www.monitorbankrates.com/housing-affordability-index/north-carolina/ Always happy to discuss what this means for your specific situation. Best, [Your Name]

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