Jackson County, North Carolina home prices
Typical home $447,841 · -0.3% in a year · property tax 0.34%
The typical home in Jackson County is worth $447,841, 35% more than the North Carolina typical home ($332,159). Values changed -0.3% in the past year and +24.0% over five years. Homeowners here pay a median 0.34% of their home's value in property tax each year ($1,535 on the typical home), versus 0.64% statewide.
Mortgage on the typical Jackson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $89,568 | $358,273 | $2,410 | $0 | $352 | $2,762 | $118,400 |
| 10% down | $44,784 | $403,057 | $2,711 | $168 | $352 | $3,231 | $138,500 |
| 5% down | $22,392 | $425,449 | $2,862 | $177 | $352 | $3,391 | $145,300 |
| 3.5% down (FHA) | $15,674 | $439,730 | $2,958 | $198 | $352 | $3,508 | $150,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.34% 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 Cullowhee metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| New Hanover County | $445,851 | +0.7% | 0.54% |
| Union County | $444,831 | -0.7% | 0.57% |
| Buncombe County | $440,368 | -4.4% | 0.57% |
| Pender County | $435,927 | +0.7% | 0.63% |
| Transylvania County | $462,178 | -2.0% | 0.45% |
| Carteret County | $469,750 | +3.0% | 0.43% |
| Wake County | $471,020 | -1.7% | 0.71% |
| Henderson County | $422,515 | -1.7% | 0.52% |
| Mecklenburg County | $414,531 | -0.9% | 0.71% |
| Moore County | $410,202 | +0.9% | 0.53% |
Frequently asked questions
What is the average home price in Jackson County, NC?
The typical home value in Jackson County is $447,841 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jackson County?
About $118,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jackson County?
The median effective rate is 0.34% of home value a year (Census ACS 2024 5-year estimates).