Henderson, NC home prices
Typical home $181,985 · -1.1% in a year · income needed $50,900
The Henderson, NC metro area ranks 709 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.1% in a year and +13.6% over five years. With 20% down at 7.11%, the typical home costs about $1,188 a month including 0.78% property tax (Vance County rate).
Mortgage on the typical Henderson home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,397 | $145,588 | $979 | $0 | $209 | $1,188 | $50,900 |
| 10% down | $18,199 | $163,787 | $1,102 | $68 | $209 | $1,379 | $59,100 |
| 5% down | $9,099 | $172,886 | $1,163 | $72 | $209 | $1,444 | $61,900 |
| 3.5% down (FHA) | $6,369 | $178,689 | $1,202 | $80 | $209 | $1,491 | $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.
Counties in the Henderson area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Vance County, NC | $182,040 | -1.1% | 0.78% |
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 Henderson?
The typical home in the Henderson, NC metro area is worth $181,985 (Zillow, September 2026).
What salary do you need to buy a house in Henderson?
About $50,900 a year for the typical home with 20% down at 7.11%.