Rocky Mount, NC home prices
Typical home $197,692 · +1.4% in a year · income needed $54,900
The Rocky Mount, NC metro area ranks 647 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.4% in a year and +28.8% over five years. With 20% down at 7.11%, the typical home costs about $1,280 a month including 0.71% property tax (Nash County rate).
Mortgage on the typical Rocky Mount home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,538 | $158,154 | $1,064 | $0 | $216 | $1,280 | $54,900 |
| 10% down | $19,769 | $177,923 | $1,197 | $74 | $216 | $1,487 | $63,700 |
| 5% down | $9,885 | $187,808 | $1,263 | $78 | $216 | $1,558 | $66,800 |
| 3.5% down (FHA) | $6,919 | $194,112 | $1,306 | $87 | $216 | $1,610 | $69,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% 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 Rocky Mount area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Nash County, NC | $234,011 | +1.5% | 0.71% |
| Edgecombe County, NC | $136,679 | -1.5% | 1.04% |
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 Rocky Mount?
The typical home in the Rocky Mount, NC metro area is worth $197,692 (Zillow, September 2026).
What salary do you need to buy a house in Rocky Mount?
About $54,900 a year for the typical home with 20% down at 7.11%.