Scotland County, North Carolina home prices
Typical home $144,965 · +5.2% in a year · property tax 0.93%
The typical home in Scotland County is worth $144,965, 56% less than the North Carolina typical home ($332,159). Values changed +5.2% in the past year and +39.7% over five years. Homeowners here pay a median 0.93% of their home's value in property tax each year ($1,347 on the typical home), versus 0.64% statewide.
Mortgage on the typical Scotland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,993 | $115,972 | $780 | $0 | $185 | $965 | $41,400 |
| 10% down | $14,497 | $130,469 | $878 | $54 | $185 | $1,117 | $47,900 |
| 5% down | $7,248 | $137,717 | $926 | $57 | $185 | $1,169 | $50,100 |
| 3.5% down (FHA) | $5,074 | $142,340 | $958 | $64 | $185 | $1,206 | $51,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.93% 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 Laurinburg metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Anson County | $139,872 | -0.1% | 0.77% |
| Lenoir County | $150,169 | +5.3% | 0.84% |
| Sampson County | $152,167 | +2.9% | 0.75% |
| Bladen County | $152,260 | -1.3% | 0.91% |
| Edgecombe County | $136,679 | -1.5% | 1.04% |
| Robeson County | $136,515 | +2.3% | 0.87% |
| Jones County | $132,173 | -2.6% | 0.74% |
| Richmond County | $128,738 | +1.8% | 0.89% |
| Martin County | $127,266 | +5.7% | 1.06% |
| Tyrrell County | $169,026 | +1.8% | 0.81% |
Frequently asked questions
What is the average home price in Scotland County, NC?
The typical home value in Scotland County is $144,965 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Scotland County?
About $41,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Scotland County?
The median effective rate is 0.93% of home value a year (Census ACS 2024 5-year estimates).