Swain County, North Carolina home prices
Typical home $321,857 · +0.5% in a year · property tax 0.41%
The typical home in Swain County is worth $321,857, 3% less than the North Carolina typical home ($332,159). Values changed +0.5% in the past year and +27.0% over five years. Homeowners here pay a median 0.41% of their home's value in property tax each year ($1,336 on the typical home), versus 0.64% statewide.
Mortgage on the typical Swain County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $64,371 | $257,486 | $1,732 | $0 | $272 | $2,004 | $85,900 |
| 10% down | $32,186 | $289,672 | $1,949 | $121 | $272 | $2,342 | $100,400 |
| 5% down | $16,093 | $305,764 | $2,057 | $127 | $272 | $2,457 | $105,300 |
| 3.5% down (FHA) | $11,265 | $316,028 | $2,126 | $142 | $272 | $2,541 | $108,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.41% 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 Cullowhee metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Davie County | $325,287 | +3.2% | 0.63% |
| Granville County | $315,433 | -0.6% | 0.67% |
| Yancey County | $313,735 | +0.4% | 0.48% |
| Polk County | $306,649 | -3.0% | 0.54% |
| Clay County | $338,459 | -0.6% | 0.43% |
| Haywood County | $338,535 | -3.0% | 0.57% |
| Johnston County | $339,986 | -0.6% | 0.62% |
| Stanly County | $302,546 | +2.3% | 0.57% |
| Gaston County | $295,114 | -0.2% | 0.75% |
| Harnett County | $292,371 | +0.1% | 0.69% |
Frequently asked questions
What is the average home price in Swain County, NC?
The typical home value in Swain County is $321,857 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Swain County?
About $85,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Swain County?
The median effective rate is 0.41% of home value a year (Census ACS 2024 5-year estimates).