Fayetteville, NC home prices
Typical home $253,782 · +0.3% in a year · income needed $72,400
The Fayetteville, NC metro area ranks 442 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.3% in a year and +33.5% over five years. With 20% down at 7.11%, the typical home costs about $1,689 a month including 0.93% property tax (Cumberland County rate).
Mortgage on the typical Fayetteville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,756 | $203,026 | $1,366 | $0 | $323 | $1,689 | $72,400 |
| 10% down | $25,378 | $228,404 | $1,536 | $95 | $323 | $1,955 | $83,800 |
| 5% down | $12,689 | $241,093 | $1,622 | $100 | $323 | $2,046 | $87,700 |
| 3.5% down (FHA) | $8,882 | $249,186 | $1,676 | $112 | $323 | $2,112 | $90,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.93% 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 Fayetteville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cumberland County, NC | $227,993 | +0.4% | 0.93% |
| Harnett County, NC | $292,371 | +0.1% | 0.69% |
| Hoke County, NC | $281,415 | +0.1% | 0.67% |
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 Fayetteville?
The typical home in the Fayetteville, NC metro area is worth $253,782 (Zillow, September 2026).
What salary do you need to buy a house in Fayetteville?
About $72,400 a year for the typical home with 20% down at 7.11%.