North Carolina home prices and mortgage costs
Typical home value $332,159 · -0.2% in a year · property tax 0.64%
Typical home value
$332,159
Payment (20% down)
$2,129
Income needed
$91,300
North Carolina ranks 28th most expensive of 51 states and D.C. Home values changed -0.2% over the past year and +22.0% over five years. Buying the typical home with 20% down costs about $2,129 a month at 7.11%, which needs a household income of about $91,300.
Cost of the typical North Carolina home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $66,432 | $265,728 | $1,788 | $0 | $342 | $2,129 | $91,300 |
| 10% down | $33,216 | $298,944 | $2,011 | $125 | $342 | $2,477 | $106,200 |
| 5% down | $16,608 | $315,552 | $2,123 | $131 | $342 | $2,596 | $111,300 |
| 3.5% down (FHA) | $11,626 | $326,143 | $2,194 | $147 | $342 | $2,683 | $115,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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.
Check a specific budget: how much house you can afford in North Carolina by salary · payment on a $350K home in North Carolina
Home prices by county in North Carolina
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Dare County | $597,323 | +1.0% | 0.52% | $3,772 | $161,600 |
| Chatham County | $558,465 | +0.3% | 0.64% | $3,582 | $153,500 |
| Currituck County | $543,963 | +0.7% | 0.46% | $3,410 | $146,100 |
| Watauga County | $507,749 | +1.2% | 0.39% | $3,150 | $135,000 |
| Orange County | $494,660 | -2.0% | 0.91% | $3,283 | $140,700 |
| Wake County | $471,020 | -1.7% | 0.71% | $3,048 | $130,600 |
| Carteret County | $469,750 | +3.0% | 0.43% | $2,930 | $125,600 |
| Transylvania County | $462,178 | -2.0% | 0.45% | $2,891 | $123,900 |
| Jackson County | $447,841 | -0.3% | 0.34% | $2,762 | $118,400 |
| New Hanover County | $445,851 | +0.7% | 0.54% | $2,824 | $121,000 |
| Union County | $444,831 | -0.7% | 0.57% | $2,829 | $121,300 |
| Buncombe County | $440,368 | -4.4% | 0.57% | $2,798 | $119,900 |
| Pender County | $435,927 | +0.7% | 0.63% | $2,793 | $119,700 |
| Henderson County | $422,515 | -1.7% | 0.52% | $2,666 | $114,300 |
| Mecklenburg County | $414,531 | -0.9% | 0.71% | $2,684 | $115,000 |
| Moore County | $410,202 | +0.9% | 0.53% | $2,593 | $111,100 |
| Brunswick County | $404,357 | +0.5% | 0.54% | $2,560 | $109,700 |
| Lincoln County | $402,332 | +1.5% | 0.58% | $2,560 | $109,700 |
| Camden County | $394,319 | +2.2% | 0.58% | $2,510 | $107,600 |
| Madison County | $388,117 | -0.8% | 0.48% | $2,438 | $104,500 |
| Durham County | $384,848 | -3.7% | 0.79% | $2,518 | $107,900 |
| Avery County | $384,253 | -1.1% | 0.38% | $2,382 | $102,100 |
| Iredell County | $383,806 | +0.4% | 0.61% | $2,452 | $105,100 |
| Cabarrus County | $380,437 | -0.3% | 0.73% | $2,469 | $105,800 |
| Macon County | $359,927 | +1.9% | 0.43% | $2,245 | $96,200 |
| Franklin County | $355,924 | -0.3% | 0.65% | $2,285 | $97,900 |
| Ashe County | $351,357 | +3.6% | 0.49% | $2,210 | $94,700 |
| Johnston County | $339,986 | -0.6% | 0.62% | $2,177 | $93,300 |
| Haywood County | $338,535 | -3.0% | 0.57% | $2,151 | $92,200 |
| Clay County | $338,459 | -0.6% | 0.43% | $2,111 | $90,500 |
| Davie County | $325,287 | +3.2% | 0.63% | $2,084 | $89,300 |
| Swain County | $321,857 | +0.5% | 0.41% | $2,004 | $85,900 |
| Granville County | $315,433 | -0.6% | 0.67% | $2,032 | $87,100 |
| Yancey County | $313,735 | +0.4% | 0.48% | $1,970 | $84,400 |
| Polk County | $306,649 | -3.0% | 0.54% | $1,941 | $83,200 |
| Stanly County | $302,546 | +2.3% | 0.57% | $1,924 | $82,400 |
| Gaston County | $295,114 | -0.2% | 0.75% | $1,919 | $82,200 |
| Harnett County | $292,371 | +0.1% | 0.69% | $1,887 | $80,900 |
| Catawba County | $291,519 | +1.1% | 0.58% | $1,856 | $79,500 |
| Alamance County | $290,921 | +1.0% | 0.62% | $1,861 | $79,800 |
| Onslow County | $290,604 | +3.2% | 0.64% | $1,863 | $79,800 |
| Lee County | $287,872 | -0.0% | 0.74% | $1,871 | $80,200 |
| Perquimans County | $284,977 | +7.5% | 0.59% | $1,817 | $77,900 |
| Pamlico County | $282,239 | +6.0% | 0.56% | $1,792 | $76,800 |
| Hoke County | $281,415 | +0.1% | 0.67% | $1,812 | $77,700 |
| Forsyth County | $281,187 | +0.4% | 0.79% | $1,840 | $78,800 |
| Rowan County | $275,856 | +0.0% | 0.65% | $1,772 | $76,000 |
| Craven County | $275,008 | +2.0% | 0.63% | $1,761 | $75,500 |
| Guilford County | $274,335 | +0.1% | 0.84% | $1,805 | $77,300 |
| Davidson County | $273,458 | +2.9% | 0.6% | $1,746 | $74,800 |
| Alexander County | $268,040 | +6.7% | 0.6% | $1,710 | $73,300 |
| Alleghany County | $266,244 | +1.5% | 0.57% | $1,692 | $72,500 |
| Cherokee County | $264,815 | -0.2% | 0.46% | $1,659 | $71,100 |
| Pasquotank County | $264,204 | +1.1% | 0.67% | $1,702 | $72,900 |
| Stokes County | $259,278 | +6.4% | 0.6% | $1,654 | $70,900 |
| McDowell County | $256,108 | -2.5% | 0.53% | $1,620 | $69,400 |
| Gates County | $255,286 | +10.6% | 0.76% | $1,663 | $71,300 |
| Burke County | $253,278 | +1.2% | 0.68% | $1,632 | $70,000 |
| Randolph County | $251,780 | +2.6% | 0.67% | $1,622 | $69,500 |
| Person County | $246,547 | +4.6% | 0.62% | $1,578 | $67,600 |
| Pitt County | $243,595 | +1.1% | 0.83% | $1,601 | $68,600 |
| Surry County | $241,900 | +4.7% | 0.6% | $1,544 | $66,200 |
| Mitchell County | $236,388 | +3.4% | 0.52% | $1,492 | $64,000 |
| Beaufort County | $235,091 | +1.6% | 0.67% | $1,515 | $64,900 |
| Nash County | $234,011 | +1.5% | 0.71% | $1,515 | $64,900 |
| Yadkin County | $233,897 | +3.8% | 0.67% | $1,507 | $64,600 |
| Caldwell County | $233,547 | +0.8% | 0.6% | $1,490 | $63,900 |
| Chowan County | $231,388 | +5.0% | 0.71% | $1,498 | $64,200 |
| Cumberland County | $227,993 | +0.4% | 0.93% | $1,517 | $65,000 |
| Graham County | $226,187 | +1.8% | 0.57% | $1,439 | $61,700 |
| Wilkes County | $225,067 | +4.5% | 0.59% | $1,435 | $61,500 |
| Hyde County | $223,074 | +4.5% | 0.79% | $1,458 | $62,500 |
| Warren County | $221,073 | +4.8% | 0.71% | $1,431 | $61,300 |
| Wilson County | $216,195 | -0.4% | 0.79% | $1,414 | $60,600 |
| Rutherford County | $214,563 | +2.4% | 0.58% | $1,366 | $58,600 |
| Cleveland County | $210,523 | +0.0% | 0.64% | $1,351 | $57,900 |
| Caswell County | $210,158 | +5.6% | 0.69% | $1,357 | $58,200 |
| Columbus County | $198,207 | +6.6% | 0.77% | $1,292 | $55,400 |
| Rockingham County | $196,825 | +1.3% | 0.75% | $1,280 | $54,900 |
| Montgomery County | $195,311 | +3.1% | 0.64% | $1,253 | $53,700 |
| Duplin County | $187,547 | +2.6% | 0.69% | $1,211 | $51,900 |
| Vance County | $182,040 | -1.1% | 0.78% | $1,189 | $50,900 |
| Wayne County | $179,054 | -0.6% | 0.7% | $1,157 | $49,600 |
| Greene County | $176,510 | +1.3% | 0.89% | $1,169 | $50,100 |
| Tyrrell County | $169,026 | +1.8% | 0.81% | $1,108 | $47,500 |
| Bladen County | $152,260 | -1.3% | 0.91% | $1,011 | $43,300 |
| Sampson County | $152,167 | +2.9% | 0.75% | $990 | $42,400 |
| Lenoir County | $150,169 | +5.3% | 0.84% | $989 | $42,400 |
| Scotland County | $144,965 | +5.2% | 0.93% | $965 | $41,400 |
| Anson County | $139,872 | -0.1% | 0.77% | $912 | $39,100 |
| Edgecombe County | $136,679 | -1.5% | 1.04% | $923 | $39,500 |
| Robeson County | $136,515 | +2.3% | 0.87% | $902 | $38,600 |
| Jones County | $132,173 | -2.6% | 0.74% | $859 | $36,800 |
| Richmond County | $128,738 | +1.8% | 0.89% | $853 | $36,500 |
| Martin County | $127,266 | +5.7% | 1.06% | $861 | $36,900 |
| Halifax County | $116,316 | +3.1% | 1.15% | $795 | $34,100 |
| Hertford County | $113,703 | +4.1% | 0.98% | $762 | $32,600 |
| Washington County | $111,908 | +0.6% | 0.99% | $751 | $32,200 |
| Northampton County | $107,797 | +6.4% | 1.08% | $731 | $31,300 |
| Bertie County | $66,735 | +6.1% | 0.79% | $436 | $18,700 |
Metro areas in North Carolina
Frequently asked questions
What is the average home price in North Carolina?
The typical home in North Carolina is worth $332,159 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in North Carolina?
About $91,300 a year to buy the typical $332,159 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in North Carolina?
The typical effective rate is 0.64% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).