Stanly County, North Carolina home prices
Typical home $302,546 · +2.3% in a year · property tax 0.57%
The typical home in Stanly County is worth $302,546, 9% less than the North Carolina typical home ($332,159). Values changed +2.3% in the past year and +32.3% over five years. Homeowners here pay a median 0.57% of their home's value in property tax each year ($1,729 on the typical home), versus 0.64% statewide.
Mortgage on the typical Stanly County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $60,509 | $242,037 | $1,628 | $0 | $295 | $1,924 | $82,400 |
| 10% down | $30,255 | $272,291 | $1,832 | $113 | $295 | $2,241 | $96,000 |
| 5% down | $15,127 | $287,419 | $1,933 | $120 | $295 | $2,349 | $100,700 |
| 3.5% down (FHA) | $10,589 | $297,066 | $1,998 | $134 | $295 | $2,428 | $104,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.57% 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 Albemarle metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Polk County | $306,649 | -3.0% | 0.54% |
| Gaston County | $295,114 | -0.2% | 0.75% |
| Harnett County | $292,371 | +0.1% | 0.69% |
| Catawba County | $291,519 | +1.1% | 0.58% |
| Yancey County | $313,735 | +0.4% | 0.48% |
| Alamance County | $290,921 | +1.0% | 0.62% |
| Onslow County | $290,604 | +3.2% | 0.64% |
| Granville County | $315,433 | -0.6% | 0.67% |
| Lee County | $287,872 | -0.0% | 0.74% |
| Perquimans County | $284,977 | +7.5% | 0.59% |
Frequently asked questions
What is the average home price in Stanly County, NC?
The typical home value in Stanly County is $302,546 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Stanly County?
About $82,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Stanly County?
The median effective rate is 0.57% of home value a year (Census ACS 2024 5-year estimates).