Graham County, North Carolina home prices
Typical home $226,187 · +1.8% in a year · property tax 0.57%
The typical home in Graham County is worth $226,187, 32% less than the North Carolina typical home ($332,159). Values changed +1.8% in the past year and +30.2% over five years. Homeowners here pay a median 0.57% of their home's value in property tax each year ($1,298 on the typical home), versus 0.64% statewide.
Mortgage on the typical Graham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,237 | $180,950 | $1,217 | $0 | $221 | $1,439 | $61,700 |
| 10% down | $22,619 | $203,568 | $1,369 | $85 | $221 | $1,675 | $71,800 |
| 5% down | $11,309 | $214,878 | $1,445 | $90 | $221 | $1,756 | $75,300 |
| 3.5% down (FHA) | $7,917 | $222,090 | $1,494 | $100 | $221 | $1,815 | $77,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.57% 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 |
|---|---|---|---|
| Wilkes County | $225,067 | +4.5% | 0.59% |
| Cumberland County | $227,993 | +0.4% | 0.93% |
| Hyde County | $223,074 | +4.5% | 0.79% |
| Warren County | $221,073 | +4.8% | 0.71% |
| Chowan County | $231,388 | +5.0% | 0.71% |
| Caldwell County | $233,547 | +0.8% | 0.6% |
| Yadkin County | $233,897 | +3.8% | 0.67% |
| Nash County | $234,011 | +1.5% | 0.71% |
| Beaufort County | $235,091 | +1.6% | 0.67% |
| Wilson County | $216,195 | -0.4% | 0.79% |
Frequently asked questions
What is the average home price in Graham County, NC?
The typical home value in Graham County is $226,187 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Graham County?
About $61,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Graham County?
The median effective rate is 0.57% of home value a year (Census ACS 2024 5-year estimates).