Pamlico County, North Carolina home prices
Typical home $282,239 · +6.0% in a year · property tax 0.56%
The typical home in Pamlico County is worth $282,239, 15% less than the North Carolina typical home ($332,159). Values changed +6.0% in the past year and +33.7% over five years. Homeowners here pay a median 0.56% of their home's value in property tax each year ($1,586 on the typical home), versus 0.64% statewide.
Mortgage on the typical Pamlico County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,448 | $225,791 | $1,519 | $0 | $273 | $1,792 | $76,800 |
| 10% down | $28,224 | $254,015 | $1,709 | $106 | $273 | $2,088 | $89,500 |
| 5% down | $14,112 | $268,127 | $1,804 | $112 | $273 | $2,189 | $93,800 |
| 3.5% down (FHA) | $9,878 | $277,127 | $1,864 | $125 | $273 | $2,262 | $97,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.56% 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 New Bern metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hoke County | $281,415 | +0.1% | 0.67% |
| Forsyth County | $281,187 | +0.4% | 0.79% |
| Perquimans County | $284,977 | +7.5% | 0.59% |
| Lee County | $287,872 | -0.0% | 0.74% |
| Rowan County | $275,856 | +0.0% | 0.65% |
| Craven County | $275,008 | +2.0% | 0.63% |
| Guilford County | $274,335 | +0.1% | 0.84% |
| Onslow County | $290,604 | +3.2% | 0.64% |
| Alamance County | $290,921 | +1.0% | 0.62% |
| Davidson County | $273,458 | +2.9% | 0.6% |
Frequently asked questions
What is the average home price in Pamlico County, NC?
The typical home value in Pamlico County is $282,239 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pamlico County?
About $76,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pamlico County?
The median effective rate is 0.56% of home value a year (Census ACS 2024 5-year estimates).