Macon County, North Carolina home prices
Typical home $359,927 · +1.9% in a year · property tax 0.43%
The typical home in Macon County is worth $359,927, 8% more than the North Carolina typical home ($332,159). Values changed +1.9% in the past year and +31.9% over five years. Homeowners here pay a median 0.43% of their home's value in property tax each year ($1,535 on the typical home), versus 0.64% statewide.
Mortgage on the typical Macon County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $71,985 | $287,941 | $1,937 | $0 | $308 | $2,245 | $96,200 |
| 10% down | $35,993 | $323,934 | $2,179 | $135 | $308 | $2,622 | $112,400 |
| 5% down | $17,996 | $341,930 | $2,300 | $142 | $308 | $2,751 | $117,900 |
| 3.5% down (FHA) | $12,597 | $353,407 | $2,377 | $159 | $308 | $2,844 | $121,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.43% 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 |
|---|---|---|---|
| Franklin County | $355,924 | -0.3% | 0.65% |
| Ashe County | $351,357 | +3.6% | 0.49% |
| Johnston County | $339,986 | -0.6% | 0.62% |
| Cabarrus County | $380,437 | -0.3% | 0.73% |
| Haywood County | $338,535 | -3.0% | 0.57% |
| Clay County | $338,459 | -0.6% | 0.43% |
| Iredell County | $383,806 | +0.4% | 0.61% |
| Avery County | $384,253 | -1.1% | 0.38% |
| Durham County | $384,848 | -3.7% | 0.79% |
| Madison County | $388,117 | -0.8% | 0.48% |
Frequently asked questions
What is the average home price in Macon County, NC?
The typical home value in Macon County is $359,927 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Macon County?
About $96,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Macon County?
The median effective rate is 0.43% of home value a year (Census ACS 2024 5-year estimates).