Davidson County, North Carolina home prices
Typical home $273,458 · +2.9% in a year · property tax 0.6%
The typical home in Davidson County is worth $273,458, 18% less than the North Carolina typical home ($332,159). Values changed +2.9% in the past year and +31.9% over five years. Homeowners here pay a median 0.6% of their home's value in property tax each year ($1,647 on the typical home), versus 0.64% statewide.
Mortgage on the typical Davidson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,692 | $218,766 | $1,472 | $0 | $274 | $1,746 | $74,800 |
| 10% down | $27,346 | $246,112 | $1,656 | $103 | $274 | $2,032 | $87,100 |
| 5% down | $13,673 | $259,785 | $1,748 | $108 | $274 | $2,130 | $91,300 |
| 3.5% down (FHA) | $9,571 | $268,505 | $1,806 | $121 | $274 | $2,201 | $94,300 |
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 Winston metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Guilford County | $274,335 | +0.1% | 0.84% |
| Craven County | $275,008 | +2.0% | 0.63% |
| Rowan County | $275,856 | +0.0% | 0.65% |
| Alexander County | $268,040 | +6.7% | 0.6% |
| Alleghany County | $266,244 | +1.5% | 0.57% |
| Forsyth County | $281,187 | +0.4% | 0.79% |
| Hoke County | $281,415 | +0.1% | 0.67% |
| Cherokee County | $264,815 | -0.2% | 0.46% |
| Pamlico County | $282,239 | +6.0% | 0.56% |
| Pasquotank County | $264,204 | +1.1% | 0.67% |
Frequently asked questions
What is the average home price in Davidson County, NC?
The typical home value in Davidson County is $273,458 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Davidson County?
About $74,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Davidson County?
The median effective rate is 0.6% of home value a year (Census ACS 2024 5-year estimates).