How much house can I afford on $70,000 in North Carolina?
About $255,000 with 20% down ($202,000 with an FHA loan), using North Carolina's 0.64% property tax rate.
That is $77,384 less than the typical North Carolina home ($332,159), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,371 principal and interest, $135 property tax and $127 insurance.
Counties in North Carolina you can afford on $70,000
43 of 100 counties have a typical home value at or below $255,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Burke County | $253,278 | +1.2% | 0.68% |
| Randolph County | $251,780 | +2.6% | 0.67% |
| Person County | $246,547 | +4.6% | 0.62% |
| Pitt County | $243,595 | +1.1% | 0.83% |
| Surry County | $241,900 | +4.7% | 0.6% |
| Mitchell County | $236,388 | +3.4% | 0.52% |
| Beaufort County | $235,091 | +1.6% | 0.67% |
| Nash County | $234,011 | +1.5% | 0.71% |
| Yadkin County | $233,897 | +3.8% | 0.67% |
| Caldwell County | $233,547 | +0.8% | 0.6% |
| Chowan County | $231,388 | +5.0% | 0.71% |
| Cumberland County | $227,993 | +0.4% | 0.93% |
| Graham County | $226,187 | +1.8% | 0.57% |
| Wilkes County | $225,067 | +4.5% | 0.59% |
| Hyde County | $223,074 | +4.5% | 0.79% |
| Warren County | $221,073 | +4.8% | 0.71% |
| Wilson County | $216,195 | -0.4% | 0.79% |
| Rutherford County | $214,563 | +2.4% | 0.58% |
| Cleveland County | $210,523 | +0.0% | 0.64% |
| Caswell County | $210,158 | +5.6% | 0.69% |
| Columbus County | $198,207 | +6.6% | 0.77% |
| Rockingham County | $196,825 | +1.3% | 0.75% |
| Montgomery County | $195,311 | +3.1% | 0.64% |
| Duplin County | $187,547 | +2.6% | 0.69% |
| Vance County | $182,040 | -1.1% | 0.78% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in North Carolina
Frequently asked questions
How much house can I afford on $70,000 in North Carolina?
About $255,000 with 20% down at 7.11%, keeping the payment (with North Carolina's 0.64% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in North Carolina?
Not the typical home: the typical North Carolina home is worth $332,159 (Zillow, September 2026) and $70,000 supports about $255,000. 43 of 100 counties are within budget.