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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

Atlantic Beach, SC Housing Affordability Index

Atlantic Beach, South Carolina has an MBR Housing Affordability Index score of 58.7 (Significantly Less Affordable) as of October 30, 2026, ranking 280th most affordable of 281 scored South Carolina cities, compared with 112.4 statewide and 97.4 nationally. On a median-priced $385,000 home with 20% down, the South Carolina average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $2,100, or 75% of the city’s $33,500 median household income.

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

Atlantic Beach MBR-HAI 58.7 Significantly Less Affordable
Rank in South Carolina 280 of 281 1 = most affordable
South Carolina 112.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.24% South Carolina lenders
Median home value $385,000 U.S. Census Bureau

Atlantic Beach is 53.7 points below the South Carolina score. Scores as of October 30, 2026. See the South Carolina index

View Atlantic Beach Mortgage Rates

What It Takes to Buy in Atlantic Beach

$2,100/mo
Principal & Interest
Median home, 20% down, 7.24%
$90,000
Income Needed
To keep the payment at 28% of income
$33,500
Median Household Income
South Carolina: $69,324
11.5x
Price-to-Income Ratio
South Carolina: 3.7x
$1,339/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,250/yr
Median Property Tax
0.84% of median value
26.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
83.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Atlantic Beach Ranks in South Carolina

Cities with similar scores
#277Centenary70.6 #278Edisto Beach67.8 #279Folly Beach67.3
#280Atlantic Beach58.7
#281Pawleys Island55.3
Least affordable in South Carolina
#277Centenary70.6 #278Edisto Beach67.8 #279Folly Beach67.3
#280Atlantic Beach58.7
#281Pawleys Island55.3
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Cite the Atlantic Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Atlantic Beach, South Carolina score: 58.7 (Significantly Less Affordable), ranked 280 of 281 South Carolina cities. monitorbankrates.com/housing-affordability-index/south-carolina/atlantic-beach”