Lincoln County, North Carolina home prices
Typical home $402,332 · +1.5% in a year · property tax 0.58%
The typical home in Lincoln County is worth $402,332, 21% more than the North Carolina typical home ($332,159). Values changed +1.5% in the past year and +27.9% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($2,326 on the typical home), versus 0.64% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $80,466 | $321,866 | $2,165 | $0 | $395 | $2,560 | $109,700 |
| 10% down | $40,233 | $362,099 | $2,436 | $151 | $395 | $2,982 | $127,800 |
| 5% down | $20,117 | $382,216 | $2,571 | $159 | $395 | $3,125 | $133,900 |
| 3.5% down (FHA) | $14,082 | $395,045 | $2,657 | $178 | $395 | $3,230 | $138,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% 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 |
|---|---|---|---|
| Brunswick County | $404,357 | +0.5% | 0.54% |
| Moore County | $410,202 | +0.9% | 0.53% |
| Camden County | $394,319 | +2.2% | 0.58% |
| Mecklenburg County | $414,531 | -0.9% | 0.71% |
| Madison County | $388,117 | -0.8% | 0.48% |
| Durham County | $384,848 | -3.7% | 0.79% |
| Avery County | $384,253 | -1.1% | 0.38% |
| Iredell County | $383,806 | +0.4% | 0.61% |
| Henderson County | $422,515 | -1.7% | 0.52% |
| Cabarrus County | $380,437 | -0.3% | 0.73% |
Frequently asked questions
What is the average home price in Lincoln County, NC?
The typical home value in Lincoln County is $402,332 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $109,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).