Vance County, North Carolina home prices
Typical home $182,040 · -1.1% in a year · property tax 0.78%
The typical home in Vance County is worth $182,040, 45% less than the North Carolina typical home ($332,159). Values changed -1.1% in the past year and +13.7% over five years. Homeowners here pay a median 0.78% of their home's value in property tax each year ($1,416 on the typical home), versus 0.64% statewide.
Mortgage on the typical Vance County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,408 | $145,632 | $980 | $0 | $209 | $1,189 | $50,900 |
| 10% down | $18,204 | $163,836 | $1,102 | $68 | $209 | $1,379 | $59,100 |
| 5% down | $9,102 | $172,938 | $1,163 | $72 | $209 | $1,444 | $61,900 |
| 3.5% down (FHA) | $6,371 | $178,742 | $1,202 | $81 | $209 | $1,492 | $63,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% 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 Henderson metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wayne County | $179,054 | -0.6% | 0.7% |
| Duplin County | $187,547 | +2.6% | 0.69% |
| Greene County | $176,510 | +1.3% | 0.89% |
| Tyrrell County | $169,026 | +1.8% | 0.81% |
| Montgomery County | $195,311 | +3.1% | 0.64% |
| Rockingham County | $196,825 | +1.3% | 0.75% |
| Columbus County | $198,207 | +6.6% | 0.77% |
| Caswell County | $210,158 | +5.6% | 0.69% |
| Cleveland County | $210,523 | +0.0% | 0.64% |
| Bladen County | $152,260 | -1.3% | 0.91% |
Frequently asked questions
What is the average home price in Vance County, NC?
The typical home value in Vance County is $182,040 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Vance County?
About $50,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Vance County?
The median effective rate is 0.78% of home value a year (Census ACS 2024 5-year estimates).