Gaston County, North Carolina home prices
Typical home $295,114 · -0.2% in a year · property tax 0.75%
The typical home in Gaston County is worth $295,114, 11% less than the North Carolina typical home ($332,159). Values changed -0.2% in the past year and +24.8% over five years. Homeowners here pay a median 0.75% of their home's value in property tax each year ($2,199 on the typical home), versus 0.64% statewide.
Mortgage on the typical Gaston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $59,023 | $236,092 | $1,588 | $0 | $331 | $1,919 | $82,200 |
| 10% down | $29,511 | $265,603 | $1,787 | $111 | $331 | $2,228 | $95,500 |
| 5% down | $14,756 | $280,359 | $1,886 | $117 | $331 | $2,334 | $100,000 |
| 3.5% down (FHA) | $10,329 | $289,769 | $1,949 | $131 | $331 | $2,411 | $103,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.75% 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 Charlotte metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Harnett County | $292,371 | +0.1% | 0.69% |
| Catawba County | $291,519 | +1.1% | 0.58% |
| Alamance County | $290,921 | +1.0% | 0.62% |
| Onslow County | $290,604 | +3.2% | 0.64% |
| Lee County | $287,872 | -0.0% | 0.74% |
| Stanly County | $302,546 | +2.3% | 0.57% |
| Perquimans County | $284,977 | +7.5% | 0.59% |
| Polk County | $306,649 | -3.0% | 0.54% |
| Pamlico County | $282,239 | +6.0% | 0.56% |
| Hoke County | $281,415 | +0.1% | 0.67% |
Frequently asked questions
What is the average home price in Gaston County, NC?
The typical home value in Gaston County is $295,114 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gaston County?
About $82,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gaston County?
The median effective rate is 0.75% of home value a year (Census ACS 2024 5-year estimates).