Surry County, North Carolina home prices
Typical home $241,900 · +4.7% in a year · property tax 0.6%
The typical home in Surry County is worth $241,900, 27% less than the North Carolina typical home ($332,159). Values changed +4.7% in the past year and +33.2% over five years. Homeowners here pay a median 0.6% of their home's value in property tax each year ($1,459 on the typical home), versus 0.64% statewide.
Mortgage on the typical Surry County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,380 | $193,520 | $1,302 | $0 | $243 | $1,544 | $66,200 |
| 10% down | $24,190 | $217,710 | $1,465 | $91 | $243 | $1,798 | $77,000 |
| 5% down | $12,095 | $229,805 | $1,546 | $96 | $243 | $1,884 | $80,800 |
| 3.5% down (FHA) | $8,467 | $237,519 | $1,598 | $107 | $243 | $1,947 | $83,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.6% 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 Mount Airy metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Pitt County | $243,595 | +1.1% | 0.83% |
| Person County | $246,547 | +4.6% | 0.62% |
| Mitchell County | $236,388 | +3.4% | 0.52% |
| Beaufort County | $235,091 | +1.6% | 0.67% |
| Nash County | $234,011 | +1.5% | 0.71% |
| Yadkin County | $233,897 | +3.8% | 0.67% |
| Caldwell County | $233,547 | +0.8% | 0.6% |
| Randolph County | $251,780 | +2.6% | 0.67% |
| Chowan County | $231,388 | +5.0% | 0.71% |
| Burke County | $253,278 | +1.2% | 0.68% |
Frequently asked questions
What is the average home price in Surry County, NC?
The typical home value in Surry County is $241,900 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Surry County?
About $66,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Surry County?
The median effective rate is 0.6% of home value a year (Census ACS 2024 5-year estimates).