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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

Beach, ND Housing Affordability Index

Beach, North Dakota has an MBR Housing Affordability Index score of 156.8 (Highly Affordable) as of October 30, 2026, ranking 172nd most affordable of 274 scored North Dakota cities, compared with 114.2 statewide and 97.4 nationally. On a median-priced $136,500 home with 20% down, the North Dakota average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $747, or 14% of the city’s $62,560 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Beach is updated every night from live North Dakota 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.

Beach MBR-HAI 156.8 Highly Affordable
Rank in North Dakota 172 of 274 1 = most affordable
North Dakota 114.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% North Dakota lenders
Median home value $136,500 U.S. Census Bureau

Beach is 42.6 points above the North Dakota score. Scores as of October 30, 2026. See the North Dakota index

View Beach Mortgage Rates

What It Takes to Buy in Beach

$747/mo
Principal & Interest
Median home, 20% down, 7.28%
$32,000
Income Needed
To keep the payment at 28% of income
$62,560
Median Household Income
North Dakota: $76,657
2.2x
Price-to-Income Ratio
North Dakota: 3.3x
$545/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,625/yr
Median Property Tax
1.19% of median value
14.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
32.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Beach, North Dakota score: 156.8 (Highly Affordable), ranked 172 of 274 North Dakota cities. monitorbankrates.com/housing-affordability-index/north-dakota/beach”