Harnett County, North Carolina home prices
Typical home $292,371 · +0.1% in a year · property tax 0.69%
The typical home in Harnett County is worth $292,371, 12% less than the North Carolina typical home ($332,159). Values changed +0.1% in the past year and +29.3% over five years. Homeowners here pay a median 0.69% of their home's value in property tax each year ($2,006 on the typical home), versus 0.64% statewide.
Mortgage on the typical Harnett County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $58,474 | $233,897 | $1,573 | $0 | $313 | $1,887 | $80,900 |
| 10% down | $29,237 | $263,134 | $1,770 | $110 | $313 | $2,193 | $94,000 |
| 5% down | $14,619 | $277,753 | $1,868 | $116 | $313 | $2,298 | $98,500 |
| 3.5% down (FHA) | $10,233 | $287,076 | $1,931 | $129 | $313 | $2,374 | $101,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% 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 Fayetteville metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Catawba County | $291,519 | +1.1% | 0.58% |
| Alamance County | $290,921 | +1.0% | 0.62% |
| Onslow County | $290,604 | +3.2% | 0.64% |
| Gaston County | $295,114 | -0.2% | 0.75% |
| Lee County | $287,872 | -0.0% | 0.74% |
| Perquimans County | $284,977 | +7.5% | 0.59% |
| Pamlico County | $282,239 | +6.0% | 0.56% |
| Stanly County | $302,546 | +2.3% | 0.57% |
| Hoke County | $281,415 | +0.1% | 0.67% |
| Forsyth County | $281,187 | +0.4% | 0.79% |
Frequently asked questions
What is the average home price in Harnett County, NC?
The typical home value in Harnett County is $292,371 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harnett County?
About $80,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harnett County?
The median effective rate is 0.69% of home value a year (Census ACS 2024 5-year estimates).