Kinston, NC home prices
Typical home $150,172 · +5.3% in a year · income needed $42,400
The Kinston, NC metro area ranks 807 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.3% in a year and +45.4% over five years. With 20% down at 7.11%, the typical home costs about $989 a month including 0.84% property tax (Lenoir County rate).
Mortgage on the typical Kinston home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $30,034 | $120,138 | $808 | $0 | $180 | $989 | $42,400 |
| 10% down | $15,017 | $135,155 | $909 | $56 | $180 | $1,146 | $49,100 |
| 5% down | $7,509 | $142,663 | $960 | $59 | $180 | $1,200 | $51,400 |
| 3.5% down (FHA) | $5,256 | $147,452 | $992 | $66 | $180 | $1,239 | $53,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.84% 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 Kinston area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lenoir County, NC | $150,169 | +5.3% | 0.84% |
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 Kinston?
The typical home in the Kinston, NC metro area is worth $150,172 (Zillow, September 2026).
What salary do you need to buy a house in Kinston?
About $42,400 a year for the typical home with 20% down at 7.11%.