Richmond County, North Carolina home prices
Typical home $128,738 · +1.8% in a year · property tax 0.89%
The typical home in Richmond County is worth $128,738, 61% less than the North Carolina typical home ($332,159). Values changed +1.8% in the past year and +20.7% over five years. Homeowners here pay a median 0.89% of their home's value in property tax each year ($1,146 on the typical home), versus 0.64% statewide.
Mortgage on the typical Richmond County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $25,748 | $102,991 | $693 | $0 | $160 | $853 | $36,500 |
| 10% down | $12,874 | $115,865 | $779 | $48 | $160 | $988 | $42,300 |
| 5% down | $6,437 | $122,302 | $823 | $51 | $160 | $1,034 | $44,300 |
| 3.5% down (FHA) | $4,506 | $126,407 | $850 | $57 | $160 | $1,067 | $45,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.89% 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 Rockingham metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Martin County | $127,266 | +5.7% | 1.06% |
| Jones County | $132,173 | -2.6% | 0.74% |
| Robeson County | $136,515 | +2.3% | 0.87% |
| Edgecombe County | $136,679 | -1.5% | 1.04% |
| Anson County | $139,872 | -0.1% | 0.77% |
| Halifax County | $116,316 | +3.1% | 1.15% |
| Hertford County | $113,703 | +4.1% | 0.98% |
| Scotland County | $144,965 | +5.2% | 0.93% |
| Washington County | $111,908 | +0.6% | 0.99% |
| Northampton County | $107,797 | +6.4% | 1.08% |
Frequently asked questions
What is the average home price in Richmond County, NC?
The typical home value in Richmond County is $128,738 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Richmond County?
About $36,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Richmond County?
The median effective rate is 0.89% of home value a year (Census ACS 2024 5-year estimates).