Cabarrus County, North Carolina home prices
Typical home $380,437 · -0.3% in a year · property tax 0.73%
The typical home in Cabarrus County is worth $380,437, 15% more than the North Carolina typical home ($332,159). Values changed -0.3% in the past year and +21.4% over five years. Homeowners here pay a median 0.73% of their home's value in property tax each year ($2,773 on the typical home), versus 0.64% statewide.
Mortgage on the typical Cabarrus County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,087 | $304,350 | $2,047 | $0 | $421 | $2,469 | $105,800 |
| 10% down | $38,044 | $342,394 | $2,303 | $143 | $421 | $2,867 | $122,900 |
| 5% down | $19,022 | $361,416 | $2,431 | $151 | $421 | $3,003 | $128,700 |
| 3.5% down (FHA) | $13,315 | $373,547 | $2,513 | $168 | $421 | $3,102 | $133,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.73% 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.
What it takes: see what you can afford by salary in North Carolina · part of the Charlotte metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Iredell County | $383,806 | +0.4% | 0.61% |
| Avery County | $384,253 | -1.1% | 0.38% |
| Durham County | $384,848 | -3.7% | 0.79% |
| Madison County | $388,117 | -0.8% | 0.48% |
| Camden County | $394,319 | +2.2% | 0.58% |
| Macon County | $359,927 | +1.9% | 0.43% |
| Lincoln County | $402,332 | +1.5% | 0.58% |
| Brunswick County | $404,357 | +0.5% | 0.54% |
| Franklin County | $355,924 | -0.3% | 0.65% |
| Ashe County | $351,357 | +3.6% | 0.49% |
Frequently asked questions
What is the average home price in Cabarrus County, NC?
The typical home value in Cabarrus County is $380,437 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cabarrus County?
About $105,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cabarrus County?
The median effective rate is 0.73% of home value a year (Census ACS 2024 5-year estimates).