Mount Airy, NC home prices
Typical home $241,904 · +4.7% in a year · income needed $66,200
The Mount Airy, NC metro area ranks 486 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.7% in a year and +33.3% over five years. With 20% down at 7.11%, the typical home costs about $1,544 a month including 0.6% property tax (Surry County rate).
Mortgage on the typical Mount Airy home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,381 | $193,523 | $1,302 | $0 | $243 | $1,544 | $66,200 |
| 10% down | $24,190 | $217,713 | $1,465 | $91 | $243 | $1,798 | $77,000 |
| 5% down | $12,095 | $229,809 | $1,546 | $96 | $243 | $1,884 | $80,800 |
| 3.5% down (FHA) | $8,467 | $237,522 | $1,598 | $107 | $243 | $1,947 | $83,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.6% 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 Mount Airy area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Surry County, NC | $241,900 | +4.7% | 0.6% |
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 Mount Airy?
The typical home in the Mount Airy, NC metro area is worth $241,904 (Zillow, September 2026).
What salary do you need to buy a house in Mount Airy?
About $66,200 a year for the typical home with 20% down at 7.11%.