Columbus County, North Carolina home prices
Typical home $198,207 · +6.6% in a year · property tax 0.77%
The typical home in Columbus County is worth $198,207, 40% less than the North Carolina typical home ($332,159). Values changed +6.6% in the past year and +20.9% over five years. Homeowners here pay a median 0.77% of their home's value in property tax each year ($1,520 on the typical home), versus 0.64% statewide.
Mortgage on the typical Columbus County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,641 | $158,565 | $1,067 | $0 | $226 | $1,292 | $55,400 |
| 10% down | $19,821 | $178,386 | $1,200 | $74 | $226 | $1,500 | $64,300 |
| 5% down | $9,910 | $188,296 | $1,267 | $78 | $226 | $1,571 | $67,300 |
| 3.5% down (FHA) | $6,937 | $194,617 | $1,309 | $88 | $226 | $1,623 | $69,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% 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.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Rockingham County | $196,825 | +1.3% | 0.75% |
| Montgomery County | $195,311 | +3.1% | 0.64% |
| Duplin County | $187,547 | +2.6% | 0.69% |
| Caswell County | $210,158 | +5.6% | 0.69% |
| Cleveland County | $210,523 | +0.0% | 0.64% |
| Vance County | $182,040 | -1.1% | 0.78% |
| Rutherford County | $214,563 | +2.4% | 0.58% |
| Wilson County | $216,195 | -0.4% | 0.79% |
| Wayne County | $179,054 | -0.6% | 0.7% |
| Greene County | $176,510 | +1.3% | 0.89% |
Frequently asked questions
What is the average home price in Columbus County, NC?
The typical home value in Columbus County is $198,207 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Columbus County?
About $55,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Columbus County?
The median effective rate is 0.77% of home value a year (Census ACS 2024 5-year estimates).