Durham County, North Carolina home prices
Typical home $384,848 · -3.7% in a year · property tax 0.79%
The typical home in Durham County is worth $384,848, 16% more than the North Carolina typical home ($332,159). Values changed -3.7% in the past year and +15.9% over five years. Homeowners here pay a median 0.79% of their home's value in property tax each year ($3,056 on the typical home), versus 0.64% statewide.
Mortgage on the typical Durham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,970 | $307,878 | $2,071 | $0 | $447 | $2,518 | $107,900 |
| 10% down | $38,485 | $346,363 | $2,330 | $144 | $447 | $2,921 | $125,200 |
| 5% down | $19,242 | $365,605 | $2,459 | $152 | $447 | $3,059 | $131,100 |
| 3.5% down (FHA) | $13,470 | $377,877 | $2,542 | $170 | $447 | $3,159 | $135,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% 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 |
|---|---|---|---|
| Avery County | $384,253 | -1.1% | 0.38% |
| Iredell County | $383,806 | +0.4% | 0.61% |
| Madison County | $388,117 | -0.8% | 0.48% |
| Cabarrus County | $380,437 | -0.3% | 0.73% |
| Camden County | $394,319 | +2.2% | 0.58% |
| Lincoln County | $402,332 | +1.5% | 0.58% |
| Brunswick County | $404,357 | +0.5% | 0.54% |
| Macon County | $359,927 | +1.9% | 0.43% |
| Moore County | $410,202 | +0.9% | 0.53% |
| Franklin County | $355,924 | -0.3% | 0.65% |
Frequently asked questions
What is the average home price in Durham County, NC?
The typical home value in Durham County is $384,848 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Durham County?
About $107,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Durham County?
The median effective rate is 0.79% of home value a year (Census ACS 2024 5-year estimates).