Henderson County, North Carolina home prices
Typical home $422,515 · -1.7% in a year · property tax 0.52%
The typical home in Henderson County is worth $422,515, 27% more than the North Carolina typical home ($332,159). Values changed -1.7% in the past year and +20.2% over five years. Homeowners here pay a median 0.52% of their home's value in property tax each year ($2,176 on the typical home), versus 0.64% statewide.
Mortgage on the typical Henderson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $84,503 | $338,012 | $2,274 | $0 | $393 | $2,666 | $114,300 |
| 10% down | $42,252 | $380,264 | $2,558 | $158 | $393 | $3,109 | $133,200 |
| 5% down | $21,126 | $401,389 | $2,700 | $167 | $393 | $3,260 | $139,700 |
| 3.5% down (FHA) | $14,788 | $414,862 | $2,791 | $187 | $393 | $3,370 | $144,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% 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 Asheville metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Mecklenburg County | $414,531 | -0.9% | 0.71% |
| Moore County | $410,202 | +0.9% | 0.53% |
| Pender County | $435,927 | +0.7% | 0.63% |
| Buncombe County | $440,368 | -4.4% | 0.57% |
| Brunswick County | $404,357 | +0.5% | 0.54% |
| Lincoln County | $402,332 | +1.5% | 0.58% |
| Union County | $444,831 | -0.7% | 0.57% |
| New Hanover County | $445,851 | +0.7% | 0.54% |
| Jackson County | $447,841 | -0.3% | 0.34% |
| Camden County | $394,319 | +2.2% | 0.58% |
Frequently asked questions
What is the average home price in Henderson County, NC?
The typical home value in Henderson County is $422,515 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Henderson County?
About $114,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Henderson County?
The median effective rate is 0.52% of home value a year (Census ACS 2024 5-year estimates).