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State

Data from November 2026

Housing , home prices, rents and assistance in North Carolina (2026)

A typical home in North Carolina is worth $288,900; the typical rent is $1,228 a month. Depending on the county, the FHA limit for a one-unit home is between $541,287 and $805,000. 52 HUD-approved counseling agencies serve North Carolina; 23 say they serve you in Spanish.

Typical home value by county

  • Under $161,500
  • $161,500–$200,000
  • $200,000–$241,600
  • $241,600–$321,000
  • $321,000 or more

Tap the map to see each county’s figure and open its page.

The key numbers

Typical home value
$288,900
13% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,228
13% less than the U.S.
U.S.: $1,413
Typical household income
$72,388
10% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $805,000
It changes by county. The highest: Perquimans County.
U.S.: $541,287 to $1,299,500
Property tax
0.66%
of value a year
The typical bill is $1,896 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates (external site) Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) (external site)

In short

Living in North Carolina

A typical home in North Carolina is worth $288,900, 13% less than in the country overall. Across its 100 counties, the typical value runs from $94,500 in Robeson County to $461,300 in Wake County. A typical household earns $72,388 a year and pays $1,228 a month in rent; 49% of renters put 30% or more of their income toward housing. 67% of households live in a home they own; they pay a typical property tax of $1,896 a year, about 0.66% of value.

The conforming loan limit for a one-unit home is $832,750 across North Carolina. To pay HUD’s fair rent for a 2-bedroom apartment in North Carolina ($1,441) without spending more than 30% of income, you need about $27.71 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) (external site) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) (external site)

The essentials in North Carolina

More on property tax
  • Elderly or Disabled Homestead Exclusion

    Excludes $25,000 or half of your home's value, whichever is greater, if you are 65 or older or totally and permanently disabled and last year's income is within the limit the Department of Revenue sets each year. You apply by June 1 with Form AV-9 to your county assessor.

    North Carolina General Assembly (statute) · Verified October 15, 2026

  • Excise tax on conveyances

    When the deed is recorded, the seller pays the county register of deeds $1 for each $500 of the price.

    North Carolina General Assembly (statute) · Verified October 15, 2026

The homes here

Housing in North Carolina

What homes there are in North Carolina, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home
Kind of home: North Carolina and its comparisons
MeasureNorth CarolinaUnited States
Detached house 65%61%
Attached house 5%6%
Building of 2 to 4 5%8%
Apartments (5 or more) 14%19%
Mobile home 11%6%
Boat, RV and other 0%0%

Detached houses, standing on their own, make up 65% of homes here, against 61% in the U.S..

Mobile homes are 11% of homes in North Carolina, more than in the U.S. (6%).

Year built
Year built: North Carolina and its comparisons
MeasureNorth CarolinaUnited States
Before 1960 14%26%
1960–1979 20%24%
1980–1999 31%25%
2000–2009 19%14%
2010 or later 17%11%

Homes in North Carolina are newer: the typical year built is 1991; in the U.S., 1980.

Homes in North Carolina are bigger: 67% have 3 bedrooms or more; in the U.S., 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Value of owner-occupied homes: North Carolina and its comparisons
MeasureNorth Carolina
Under $100K 13%
$100K–$200K 19%
$200K–$300K 21%
$300K–$500K 28%
$500K–$750K 12%
$750K–$1M 4%
$1M or more 3%

The largest group of owner-occupied homes in North Carolina is worth between $300K and $500K: 28%.

Monthly rent with utilities
Monthly rent with utilities: North Carolina and its comparisons
MeasureNorth Carolina
Under $500 7%
$500–$999 28%
$1,000–$1,499 33%
$1,500–$1,999 21%
$2,000–$2,499 8%
$2,500–$2,999 2%
$3,000 or more 2%

The largest group of rented homes in North Carolina pays between $1,000 and $1,499 a month: 33%.

With a mortgage

$1,631 a month

United States: $1,963 a month

Without a mortgage

$490 a month

United States: $638 a month

Owners with a mortgage

61%

United States: 61%

Owning costs less in North Carolina: with a mortgage, the typical cost is $1,631 a month; in the U.S., $1,963. Without one, $490.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019
Change since 2015–2019: North Carolina and its comparisons
MeasureNorth CarolinaUnited States
Typical home value +68%+53%
Typical rent +35%+33%
Typical household income +33%+29%

From 2015–2019 to 2020–2024, the typical home value in North Carolina rose 68%; in the U.S., it rose 53%.

Rents in North Carolina rose at about the same pace as in the U.S.: 35% since 2015–2019, against 33%.

While home values in North Carolina changed +68% and rent +35%, the typical household income rose 33%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

How people live: North Carolina and its comparisons
MeasureNorth CarolinaUnited States
Rental vacancy 7.1%5.5%
Homeowner vacancy 1.3%0.9%
More than one person per room 2.2%3.4%
People per household 2.442.53
Drive alone 72%69%
Carpool 9%9%
Public transit 1%3%
Walk or bike 2%3%
Work from home 16%15%
Other means 1%2%
Typical commute 20 to 29 minutes20 to 29 minutes

In North Carolina, the rental vacancy rate is 7.1%; in the U.S., 5.5%.

In North Carolina, 2.2% of households live with more than one person per room, against 3.4% in the U.S..

A household in North Carolina has 2.44 people on average, about the same as in the U.S. (2.53).

In North Carolina, 72% of workers drive alone to work; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in North Carolina

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates (external site) Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) (external site) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) (external site)

Calculator

Work out your payment in North Carolina

Start from the typical home value in North Carolina, $288,900, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for North Carolina

$
%

Estimated monthly payment

$2,329

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in North Carolina rose 107% in the 10 years through 2025.

Price change each year

Annual change in the FHFA House Price Index in North Carolina, 2021 to 2025.
  1. 2021: +13.0%
  2. 2022: +20.9%
  3. 2023: +8.8%
  4. 2024: +5.2%
  5. 2025: +2.5%
Home price change in North Carolina, in its state and in the U.S., according to FHFA
Period North Carolina United States
In 2025 +2.5% +2.9%
5 years (2020–2025) +60% +47%
10 years (2015–2025) +107% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI) (external site)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in North Carolina were 6% lower than the U.S. average. Housing rents were 19% lower than nationwide.

Regional price parities in North Carolina and in the U.S. in 2024, according to BEA
Category North Carolina United States Versus the U.S.
All prices Consumer goods and services 94.3 100.0 6% less
Housing rents What renters pay 81.4 100.6 19% less
Water, power and gas Water, sewer, electricity and gas 88.6 98.4 10% less
Goods Food, clothing, transportation and more 96.6 99.6 3% less
Other services Services other than rent 98.2 100.1 2% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA) (external site)

Flooding

Is there a flood risk?

According to FEMA, in North Carolina 2.8% of homes (113,606) are in a high-risk flood zone. Of those homes, 53% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Homes in a high-risk flood zone and with NFIP insurance in North Carolina, in its state and in the U.S., according to FEMA
Measure North Carolina United States
Homes in a high-risk zone 2.8% 3.5%
Of those, with NFIP insurance 53% 48%
All homes with NFIP insurance 2.6% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA) (external site)

Places

Cities in North Carolina

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (150)

    Help to buy

    Assistance programs in North Carolina

    Our list has 3 official programs that help you buy in North Carolina. Each card says what kind of help it gives and when we checked its official page.

    See all 3 programs
    1. NC Home Advantage Mortgage

      NCHFA fixed-rate mortgage with down payment assistance, for first-time buyers and for people who have owned a home before, in North Carolina. Offered by North Carolina Housing Finance Agency (NCHFA).

      Forgivable Verified November 5, 2026

    2. NC 1st Home Advantage Down Payment

      A fixed amount of NCHFA down payment assistance for first-time buyers and veterans in North Carolina. Offered by North Carolina Housing Finance Agency (NCHFA).

      Type not stated Verified November 5, 2026

    3. Community Partners Loan Pool (CPLP)

      NCHFA interest-free loan with deferred payments of up to 25% of the price (maximum $50,000) for the down payment of low- and moderate-income buyers in North Carolina; you apply through a member organization. Offered by North Carolina Housing Finance Agency (NCHFA).

      Deferred Verified November 5, 2026

    Tenant rights

    Tenant rights in North Carolina

    North Carolina law answers 5 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right
    1. How much can they charge for a deposit?

      In North Carolina, the security deposit is capped by tenancy type: up to 2 weeks' rent for week-to-week, up to 1.5 months' rent for month-to-month, and up to 2 months' rent for terms longer than month-to-month.

      N.C. Gen. Stat. § 42-51(b)

    2. When must they return my deposit?

      After the tenancy ends and you hand back the unit, the landlord must mail or give you a written list of damages, together with the rest of your deposit, within 30 days.

      N.C. Gen. Stat. § 42-52

    3. If I fall behind on rent, what notice must I get?

      If the lease sets a rent due date and you do not pay, the landlord can demand all past-due rent. If you do not pay within 10 days after that demand, the lease can end.

      N.C. Gen. Stat. § 42-3

    4. How much notice ends a month-to-month rental?

      To end a month-to-month tenancy in North Carolina, notice of 7 days before the end of the rental period is required. Week-to-week takes 2 days; year-to-year takes one month or more.

      N.C. Gen. Stat. § 42-14

    5. Are there limits on late fees?

      A landlord may charge a late fee only if rent is 5 or more calendar days late (day 1 is the day after rent was due). For monthly rent, the maximum is $15 or 5% of the monthly rent, whichever is greater.

      N.C. Gen. Stat. § 42-46(a)-(b)

    A father holds his baby and his young son by a white picket fence.

    Help and advice

    Who can help you in North Carolina?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    52 HUD-approved counseling agencies serve North Carolina; 23 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    123 public housing authorities run Section 8 vouchers and public housing in North Carolina.

    Who runs the help in North Carolina

    • North Carolina Housing Finance Agency (NCHFA)

      The North Carolina Housing Finance Agency is a self-supporting public agency that provides safe, affordable housing opportunities. Among other things, it offers low-cost mortgages and down payment assistance to qualified homebuyers. It also provides foreclosure prevention assistance and access to housing counseling services.

      The agency's official page · Verified October 17, 2026

    Where to file a complaint in North Carolina

    • Where to file a housing discrimination complaint

      You can file a complaint with the Housing Discrimination Section of the Civil Rights Division. If the residential property is in North Carolina, the Section investigates to determine whether unlawful discrimination occurred.

      North Carolina Office of Administrative Hearings (OAH), Civil Rights Division · Verified October 16, 2026

    • Help with homeowners insurance complaints or questions

      The Consumer Services Division gets many calls with questions about homeowners insurance. If your question is not in its list of frequent questions, you can ask your agent or contact the Division at 855-408-1212.

      North Carolina Department of Insurance (NCDOI) · Verified October 16, 2026

    Guides

    Guides for you in North Carolina

    We picked them with the numbers of North Carolina. Each one says why it can help you.

    Frequently asked questions about housing in North Carolina

    What is the FHA limit in North Carolina in 2026?

    In North Carolina, the FHA limit for a one-unit home runs from $541,287 to $805,000. The highest is in Perquimans County.

    How much does a typical home cost in North Carolina?

    The typical home value in North Carolina is $288,900 (Average 2020–2024, U.S. Census). The highest is in Wake County ($461,300) and the lowest in Robeson County ($94,500).

    How much does it cost to rent in North Carolina?

    The typical rent in North Carolina is $1,228 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in North Carolina?

    At HUD's average fair market rent in North Carolina ($1,441, Fiscal year 2027), about $27.71 an hour working full time, so rent stays under 30% of income.

    How much is property tax in North Carolina?

    The typical property tax in North Carolina is $1,896 a year, about 0.66% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in North Carolina?

    There are 52 HUD-approved counseling agencies in North Carolina; 23 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).