Chatham County, North Carolina home prices
Typical home $558,465 · +0.3% in a year · property tax 0.64%
The typical home in Chatham County is worth $558,465, 68% more than the North Carolina typical home ($332,159). Values changed +0.3% in the past year and +28.3% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($3,563 on the typical home), versus 0.64% statewide.
Mortgage on the typical Chatham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $111,693 | $446,772 | $3,005 | $0 | $576 | $3,582 | $153,500 |
| 10% down | $55,846 | $502,618 | $3,381 | $209 | $576 | $4,167 | $178,600 |
| 5% down | $27,923 | $530,542 | $3,569 | $221 | $576 | $4,366 | $187,100 |
| 3.5% down (FHA) | $19,546 | $548,350 | $3,689 | $247 | $576 | $4,512 | $193,400 |
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.
What it takes: see what you can afford by salary in North Carolina · part of the Durham metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Currituck County | $543,963 | +0.7% | 0.46% |
| Dare County | $597,323 | +1.0% | 0.52% |
| Watauga County | $507,749 | +1.2% | 0.39% |
| Orange County | $494,660 | -2.0% | 0.91% |
| Wake County | $471,020 | -1.7% | 0.71% |
| Carteret County | $469,750 | +3.0% | 0.43% |
| Transylvania County | $462,178 | -2.0% | 0.45% |
| Jackson County | $447,841 | -0.3% | 0.34% |
| New Hanover County | $445,851 | +0.7% | 0.54% |
| Union County | $444,831 | -0.7% | 0.57% |
Frequently asked questions
What is the average home price in Chatham County, NC?
The typical home value in Chatham County is $558,465 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Chatham County?
About $153,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Chatham County?
The median effective rate is 0.64% of home value a year (Census ACS 2024 5-year estimates).