Cullowhee, NC home prices
Typical home $405,775 · -0.7% in a year · income needed $107,300
The Cullowhee, NC metro area ranks 145 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.7% in a year and +23.4% over five years. With 20% down at 7.11%, the typical home costs about $2,503 a month including 0.34% property tax (Jackson County rate).
Mortgage on the typical Cullowhee home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $81,155 | $324,620 | $2,184 | $0 | $319 | $2,503 | $107,300 |
| 10% down | $40,577 | $365,197 | $2,457 | $152 | $319 | $2,928 | $125,500 |
| 5% down | $20,289 | $385,486 | $2,593 | $161 | $319 | $3,073 | $131,700 |
| 3.5% down (FHA) | $14,202 | $398,425 | $2,680 | $179 | $319 | $3,179 | $136,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.34% 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.
Counties in the Cullowhee area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jackson County, NC | $447,841 | -0.3% | 0.34% |
| Swain County, NC | $321,857 | +0.5% | 0.41% |
What can you afford in North Carolina on your salary? · North Carolina home prices · Salaries in North Carolina
Frequently asked questions
How much is a house in Cullowhee?
The typical home in the Cullowhee, NC metro area is worth $405,775 (Zillow, September 2026).
What salary do you need to buy a house in Cullowhee?
About $107,300 a year for the typical home with 20% down at 7.11%.