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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

Ocean Shores, WA Housing Affordability Index

Ocean Shores, Washington has an MBR Housing Affordability Index score of 82.4 (Moderately Less Affordable) as of October 30, 2026, ranking 256th most affordable of 347 scored Washington cities, compared with 82.2 statewide and 97.4 nationally. On a median-priced $383,500 home with 20% down, the Washington average 30-year fixed rate of 7.32% means a monthly principal and interest payment of about $2,107, or 43% of the city’s $58,202 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Ocean Shores is updated every night from live Washington 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.

Ocean Shores MBR-HAI 82.4 Moderately Less Affordable
Rank in Washington 256 of 347 1 = most affordable
Washington 82.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.32% Washington lenders
Median home value $383,500 U.S. Census Bureau

Ocean Shores is 0.1 points above the Washington score. Scores as of October 30, 2026. See the Washington index

View Ocean Shores Mortgage Rates

What It Takes to Buy in Ocean Shores

$2,107/mo
Principal & Interest
Median home, 20% down, 7.32%
$90,300
Income Needed
To keep the payment at 28% of income
$58,202
Median Household Income
Washington: $98,141
6.6x
Price-to-Income Ratio
Washington: 5.8x
$1,042/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,470/yr
Median Property Tax
0.64% of median value
45.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
47.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Ocean Shores Ranks in Washington

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Cite the Ocean Shores Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Ocean Shores, Washington score: 82.4 (Moderately Less Affordable), ranked 256 of 347 Washington cities. monitorbankrates.com/housing-affordability-index/washington/ocean-shores”