North Topsail Beach, NC Housing Affordability Index
North Topsail Beach, North Carolina has an MBR Housing Affordability Index score of 98.2 (Near National Average) as of October 30, 2026, ranking 461st most affordable of 587 scored North Carolina cities, compared with 104.6 statewide and 97.4 nationally. On a median-priced $473,600 home with 20% down, the North Carolina average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $2,587, or 26% of the city’s $121,250 median household income.
The MBR Housing Affordability Index (MBR-HAI) for North Topsail Beach 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.
North Topsail Beach is 6.4 points below the North Carolina score. Scores as of October 30, 2026. See the North Carolina index
View North Topsail Beach Mortgage RatesSee What You Can Afford in North Topsail Beach, North Carolina
Use this North Topsail Beach, 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 Topsail Beach median income of $121,250, with no other debts and $95,000 down, can afford a home of about $434,542, compared with a median home value of $473,600. Buying the median priced home with 20% down takes a household income of about $134,700 once property tax and insurance are counted.
| Loan amount | $339,542 |
| Principal & interest | $2,319/mo |
| Property tax | $330/mo |
| Home insurance | $181/mo |
| PMI | $0/mo |
| Total monthly payment | $2,829/mo |
How much house can you afford in North Topsail Beach?
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 Topsail Beach, property taxes run about 0.91% 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 $7,080 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.
What It Takes to Buy in North Topsail Beach
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for North Topsail Beach, North Carolina. The rate is the North Carolina average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How North Topsail Beach Ranks in North Carolina
Cite the North Topsail Beach Score
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Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
