Cleveland County, North Carolina home prices
Typical home $210,523 · +0.0% in a year · property tax 0.64%
The typical home in Cleveland County is worth $210,523, 37% less than the North Carolina typical home ($332,159). Values changed +0.0% in the past year and +11.1% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($1,354 on the typical home), versus 0.64% statewide.
Mortgage on the typical Cleveland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $42,105 | $168,418 | $1,133 | $0 | $218 | $1,351 | $57,900 |
| 10% down | $21,052 | $189,471 | $1,275 | $79 | $218 | $1,572 | $67,400 |
| 5% down | $10,526 | $199,997 | $1,345 | $83 | $218 | $1,647 | $70,600 |
| 3.5% down (FHA) | $7,368 | $206,710 | $1,391 | $93 | $218 | $1,702 | $72,900 |
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 Shelby metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Caswell County | $210,158 | +5.6% | 0.69% |
| Rutherford County | $214,563 | +2.4% | 0.58% |
| Wilson County | $216,195 | -0.4% | 0.79% |
| Warren County | $221,073 | +4.8% | 0.71% |
| Columbus County | $198,207 | +6.6% | 0.77% |
| Hyde County | $223,074 | +4.5% | 0.79% |
| Rockingham County | $196,825 | +1.3% | 0.75% |
| Wilkes County | $225,067 | +4.5% | 0.59% |
| Montgomery County | $195,311 | +3.1% | 0.64% |
| Graham County | $226,187 | +1.8% | 0.57% |
Frequently asked questions
What is the average home price in Cleveland County, NC?
The typical home value in Cleveland County is $210,523 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cleveland County?
About $57,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cleveland County?
The median effective rate is 0.64% of home value a year (Census ACS 2024 5-year estimates).