Laurinburg, NC home prices
Typical home $145,134 · +5.2% in a year · income needed $41,400
The Laurinburg, NC metro area ranks 819 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.2% in a year and +39.8% over five years. With 20% down at 7.11%, the typical home costs about $966 a month including 0.93% property tax (Scotland County rate).
Mortgage on the typical Laurinburg home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $29,027 | $116,107 | $781 | $0 | $185 | $966 | $41,400 |
| 10% down | $14,513 | $130,621 | $879 | $54 | $185 | $1,118 | $47,900 |
| 5% down | $7,257 | $137,878 | $928 | $57 | $185 | $1,170 | $50,100 |
| 3.5% down (FHA) | $5,080 | $142,506 | $959 | $64 | $185 | $1,208 | $51,800 |
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 Laurinburg area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Scotland County, NC | $144,965 | +5.2% | 0.93% |
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 Laurinburg?
The typical home in the Laurinburg, NC metro area is worth $145,134 (Zillow, September 2026).
What salary do you need to buy a house in Laurinburg?
About $41,400 a year for the typical home with 20% down at 7.11%.