Camden County, North Carolina home prices
Typical home $394,319 · +2.2% in a year · property tax 0.58%
The typical home in Camden County is worth $394,319, 19% more than the North Carolina typical home ($332,159). Values changed +2.2% in the past year and +32.6% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($2,283 on the typical home), versus 0.64% statewide.
Mortgage on the typical Camden County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $78,864 | $315,455 | $2,122 | $0 | $387 | $2,510 | $107,600 |
| 10% down | $39,432 | $354,887 | $2,387 | $148 | $387 | $2,923 | $125,300 |
| 5% down | $19,716 | $374,603 | $2,520 | $156 | $387 | $3,064 | $131,300 |
| 3.5% down (FHA) | $13,801 | $387,177 | $2,605 | $174 | $387 | $3,166 | $135,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% 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 Virginia Beach metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Madison County | $388,117 | -0.8% | 0.48% |
| Lincoln County | $402,332 | +1.5% | 0.58% |
| Durham County | $384,848 | -3.7% | 0.79% |
| Brunswick County | $404,357 | +0.5% | 0.54% |
| Avery County | $384,253 | -1.1% | 0.38% |
| Iredell County | $383,806 | +0.4% | 0.61% |
| Cabarrus County | $380,437 | -0.3% | 0.73% |
| Moore County | $410,202 | +0.9% | 0.53% |
| Mecklenburg County | $414,531 | -0.9% | 0.71% |
| Henderson County | $422,515 | -1.7% | 0.52% |
Frequently asked questions
What is the average home price in Camden County, NC?
The typical home value in Camden County is $394,319 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Camden County?
About $107,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Camden County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).