Yancey County, North Carolina home prices
Typical home $313,735 · +0.4% in a year · property tax 0.48%
The typical home in Yancey County is worth $313,735, 6% less than the North Carolina typical home ($332,159). Values changed +0.4% in the past year and +20.5% over five years. Homeowners here pay a median 0.48% of their home's value in property tax each year ($1,493 on the typical home), versus 0.64% statewide.
Mortgage on the typical Yancey County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,747 | $250,988 | $1,688 | $0 | $281 | $1,970 | $84,400 |
| 10% down | $31,374 | $282,362 | $1,899 | $118 | $281 | $2,298 | $98,500 |
| 5% down | $15,687 | $298,048 | $2,005 | $124 | $281 | $2,410 | $103,300 |
| 3.5% down (FHA) | $10,981 | $308,052 | $2,072 | $139 | $281 | $2,492 | $106,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% 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.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Granville County | $315,433 | -0.6% | 0.67% |
| Polk County | $306,649 | -3.0% | 0.54% |
| Swain County | $321,857 | +0.5% | 0.41% |
| Stanly County | $302,546 | +2.3% | 0.57% |
| Davie County | $325,287 | +3.2% | 0.63% |
| Gaston County | $295,114 | -0.2% | 0.75% |
| Harnett County | $292,371 | +0.1% | 0.69% |
| Catawba County | $291,519 | +1.1% | 0.58% |
| Alamance County | $290,921 | +1.0% | 0.62% |
| Onslow County | $290,604 | +3.2% | 0.64% |
Frequently asked questions
What is the average home price in Yancey County, NC?
The typical home value in Yancey County is $313,735 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Yancey County?
About $84,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Yancey County?
The median effective rate is 0.48% of home value a year (Census ACS 2024 5-year estimates).