Caldwell County, North Carolina home prices
Typical home $233,547 · +0.8% in a year · property tax 0.6%
The typical home in Caldwell County is worth $233,547, 30% less than the North Carolina typical home ($332,159). Values changed +0.8% in the past year and +25.9% over five years. Homeowners here pay a median 0.6% of their home's value in property tax each year ($1,397 on the typical home), versus 0.64% statewide.
Mortgage on the typical Caldwell County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,709 | $186,837 | $1,257 | $0 | $233 | $1,490 | $63,900 |
| 10% down | $23,355 | $210,192 | $1,414 | $88 | $233 | $1,735 | $74,300 |
| 5% down | $11,677 | $221,869 | $1,493 | $92 | $233 | $1,818 | $77,900 |
| 3.5% down (FHA) | $8,174 | $229,317 | $1,543 | $103 | $233 | $1,879 | $80,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.6% 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 Hickory metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Yadkin County | $233,897 | +3.8% | 0.67% |
| Nash County | $234,011 | +1.5% | 0.71% |
| Beaufort County | $235,091 | +1.6% | 0.67% |
| Chowan County | $231,388 | +5.0% | 0.71% |
| Mitchell County | $236,388 | +3.4% | 0.52% |
| Cumberland County | $227,993 | +0.4% | 0.93% |
| Graham County | $226,187 | +1.8% | 0.57% |
| Surry County | $241,900 | +4.7% | 0.6% |
| Wilkes County | $225,067 | +4.5% | 0.59% |
| Pitt County | $243,595 | +1.1% | 0.83% |
Frequently asked questions
What is the average home price in Caldwell County, NC?
The typical home value in Caldwell County is $233,547 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Caldwell County?
About $63,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Caldwell County?
The median effective rate is 0.6% of home value a year (Census ACS 2024 5-year estimates).