Pender County, North Carolina home prices
Typical home $435,927 · +0.7% in a year · property tax 0.63%
The typical home in Pender County is worth $435,927, 31% more than the North Carolina typical home ($332,159). Values changed +0.7% in the past year and +23.9% over five years. Homeowners here pay a median 0.63% of their home's value in property tax each year ($2,745 on the typical home), versus 0.64% statewide.
Mortgage on the typical Pender County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $87,185 | $348,742 | $2,346 | $0 | $447 | $2,793 | $119,700 |
| 10% down | $43,593 | $392,335 | $2,639 | $163 | $447 | $3,249 | $139,300 |
| 5% down | $21,796 | $414,131 | $2,786 | $173 | $447 | $3,405 | $145,900 |
| 3.5% down (FHA) | $15,257 | $428,032 | $2,879 | $193 | $447 | $3,519 | $150,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.63% 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 Wilmington metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Buncombe County | $440,368 | -4.4% | 0.57% |
| 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% |
| Henderson County | $422,515 | -1.7% | 0.52% |
| Mecklenburg County | $414,531 | -0.9% | 0.71% |
| Moore County | $410,202 | +0.9% | 0.53% |
| Transylvania County | $462,178 | -2.0% | 0.45% |
| Brunswick County | $404,357 | +0.5% | 0.54% |
| Lincoln County | $402,332 | +1.5% | 0.58% |
Frequently asked questions
What is the average home price in Pender County, NC?
The typical home value in Pender County is $435,927 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pender County?
About $119,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pender County?
The median effective rate is 0.63% of home value a year (Census ACS 2024 5-year estimates).