How much house can I afford on $80,000 in North Carolina?
About $291,000 with 20% down ($231,000 with an FHA loan), using North Carolina's 0.64% property tax rate.
That is $40,987 less than the typical North Carolina home ($332,159), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,567 principal and interest, $154 property tax and $146 insurance.
Counties in North Carolina you can afford on $80,000
61 of 100 counties have a typical home value at or below $291,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Alamance County | $290,921 | +1.0% | 0.62% |
| Onslow County | $290,604 | +3.2% | 0.64% |
| Lee County | $287,872 | -0.0% | 0.74% |
| Perquimans County | $284,977 | +7.5% | 0.59% |
| Pamlico County | $282,239 | +6.0% | 0.56% |
| Hoke County | $281,415 | +0.1% | 0.67% |
| Forsyth County | $281,187 | +0.4% | 0.79% |
| Rowan County | $275,856 | +0.0% | 0.65% |
| Craven County | $275,008 | +2.0% | 0.63% |
| Guilford County | $274,335 | +0.1% | 0.84% |
| Davidson County | $273,458 | +2.9% | 0.6% |
| Alexander County | $268,040 | +6.7% | 0.6% |
| Alleghany County | $266,244 | +1.5% | 0.57% |
| Cherokee County | $264,815 | -0.2% | 0.46% |
| Pasquotank County | $264,204 | +1.1% | 0.67% |
| Stokes County | $259,278 | +6.4% | 0.6% |
| McDowell County | $256,108 | -2.5% | 0.53% |
| Gates County | $255,286 | +10.6% | 0.76% |
| 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% |
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 $80,000 in North Carolina?
About $291,000 with 20% down at 7.11%, keeping the payment (with North Carolina's 0.64% property tax and insurance) under $1,867 a month.
Is $80,000 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 $80,000 supports about $291,000. 61 of 100 counties are within budget.