New Bern, NC home prices
Typical home $262,128 · +2.5% in a year · income needed $71,900
The New Bern, NC metro area ranks 415 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.5% in a year and +36.8% over five years. With 20% down at 7.11%, the typical home costs about $1,679 a month including 0.63% property tax (Craven County rate).
Mortgage on the typical New Bern home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,426 | $209,702 | $1,411 | $0 | $268 | $1,679 | $71,900 |
| 10% down | $26,213 | $235,915 | $1,587 | $98 | $268 | $1,953 | $83,700 |
| 5% down | $13,106 | $249,021 | $1,675 | $104 | $268 | $2,047 | $87,700 |
| 3.5% down (FHA) | $9,174 | $257,380 | $1,731 | $116 | $268 | $2,115 | $90,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.63% 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 New Bern area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Craven County, NC | $275,008 | +2.0% | 0.63% |
| Pamlico County, NC | $282,239 | +6.0% | 0.56% |
| Jones County, NC | $132,173 | -2.6% | 0.74% |
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 New Bern?
The typical home in the New Bern, NC metro area is worth $262,128 (Zillow, September 2026).
What salary do you need to buy a house in New Bern?
About $71,900 a year for the typical home with 20% down at 7.11%.