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City · 13,927 residents · Harnett County, North Carolina

Anderson Creek , North Carolina

In Anderson Creek, a typical home is worth $282,200 and typical rent is $1,251 a month. Compared with all of Harnett County, typical household income is 22% higher and the typical home value is 15% higher.

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  • Typical home value

    $282,200

    15% above the county

    2% below North Carolina

    • Anderson Creek
    • Harnett
    • North Carolina

  • Typical rent

    $1,251a month

    13% above the county

    About the same as North Carolina

    • Anderson Creek
    • Harnett
    • North Carolina

  • Typical household income

    $87,287a year

    22% above the county

    21% above North Carolina

    • Anderson Creek
    • Harnett
    • North Carolina

  • Households that own their home

    71%

    1 points below the county

    4 points above North Carolina

    • Anderson Creek
    • Harnett
    • North Carolina

Source: U.S. Census Bureau, Average 2020–2024

Anderson Creek is in Harnett County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Harnett County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Anderson Creek apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Spring Lake, the typical home value is $124,000: 56% less than in Anderson Creek ($282,200).

  2. The typical household income in Anderson Creek is $87,287, 22% more than in Harnett County as a whole ($71,287).

  3. Nearby, in Sanford, the typical rent is $1,052: 16% less than in Anderson Creek ($1,251).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Anderson Creek

What homes there are in Anderson Creek, 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

In Anderson Creek, 7 in 10 homes are single-family detached houses, about the same as in Harnett County.

Year built

The typical home in Anderson Creek was built in 2005, 8 years after the typical one in Harnett County.

There is more room for a big family here: 84% of homes have 3 bedrooms or more, against 79% in Harnett County.

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

By price, most homes in Anderson Creek sit under the FHA limit for Harnett County ($541,287): about 95%.

Monthly rent with utilities

With a mortgage

$1,790 a month

Harnett County: $1,594 a month

Without a mortgage

$434 a month

Harnett County: $462 a month

Owners with a mortgage

77%

Harnett County: 65%

The typical cost for an owner with a mortgage in Anderson Creek is $1,790 a month, more than in Harnett County ($1,594); without one, $434.

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

The Census does not compare Anderson Creek with 2015–2019 because its boundaries changed. In Harnett County, over that time, the typical home value rose 60%.

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

MeasureAnderson CreekHarnett CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate7.2%7.1%5.5%
Homeowner vacancy Unreliable estimate0.9%1.3%0.9%
More than one person per room Unreliable estimate2.3%2.2%3.4%
People per household 3.042.732.442.53
Drive alone 85%79%72%69%
Carpool 5%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 9%9%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Anderson Creek has 3.04 people, more than in Harnett County (2.73).

To get to work, 85% of workers in Anderson Creek drive alone; in Harnett County, 79%.

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

Do the math

What would you pay each month for a home in Anderson Creek?

A typical home is tight for the typical income

We start with a typical home in Anderson Creek, worth $282,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Anderson Creek, which is $87,287 a year. For that payment to be 28% of income, a household would need to earn about $97,588 a year.

The calculator's FHA and conventional loan limits are those of all of Harnett County.

Your numbers

Local data
$

Starts at the typical home value in Anderson Creek. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,877 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,277

at 7.18% · 30 years

Loan amount
$277,089
Total interest
$398,666
Paid off in
November 2056

Includes $4,766 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,037 a month

  • Tight

    $2,037 to $2,619 a month

    Your payment · 31%

  • Hard

    more than $2,619 a month

Compared with the typical household income in Anderson Creek ($87,287 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,277
Principal & interest$1,877
Property tax$158
Home insurance$118
FHA mortgage insurance (MIP)$125

You need at least $9,877 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Anderson Creek and Harnett County

Anderson Creek is in Harnett County, North Carolina. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Anderson Creek's own numbers

Typical home value
$282,200
Typical monthly rent
$1,251
Typical yearly household income
$87,287
Households that own their home
71%
Effective property tax rate
0.67%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Harnett County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,051
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Harnett County.

Everything about Harnett County

Buying

Buying a home in Anderson Creek

A typical home in Anderson Creek is worth $282,200: 15% above the county and 2% below North Carolina. With the typical household income in Anderson Creek ($87,287 a year), a typical home costs 3.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Anderson Creek 3.2 years
  • Harnett 3.5 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harnett County

According to FHFA’s house price index, home prices in Harnett County rose 97% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Harnett County.

Period County North Carolina U.S.
Last year (2025) +4.4% +2.5% +2.9%
5 years (2020–2025) +59% +60% +47%
10 years (2015–2025) +97% +107% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Anderson Creek next to Harnett County, North Carolina and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Anderson Creek $282,200
  • Harnett $246,200
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Anderson Creek $1,251
  • Harnett $1,112
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Anderson Creek $87,287
  • Harnett $71,287
  • North Carolina $72,388
  • United States $80,734
See the full table
Anderson Creek next to Harnett County and North Carolina
Measure Anderson Creek Harnett County North Carolina U.S.
Typical home value $282,200 $246,200 $288,900 $332,700
Typical monthly rent $1,251 $1,112 $1,228 $1,413
Typical yearly household income $87,287 $71,287 $72,388 $80,734
Households that own their home 71% 71% 67% 65%
Typical yearly property tax $1,881 $1,689 $1,896 $3,119
Effective property tax rate 0.67% 0.69% 0.66% 0.94%
Renters with high rent for their income 45% 45% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Harnett County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Anderson Creek

For a typical $282,200 home in Anderson Creek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Anderson Creek's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,277a month

    Least cash to close
    Down payment
    $9,877
    Cash to close
    $18,343
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $125

  • Conventional, 5% down $2,225a month

    Down payment
    $14,110
    Cash to close
    $22,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $134

  • Conventional, 20% down, no PMI $1,805a month

    Down payment
    $56,440
    Cash to close
    $64,906
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,065a month

    Down payment
    $42,330
    Cash to close
    $50,796
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Anderson Creek and for Harnett County.

Property tax

Effective rate in Anderson Creek

0.67%of the home’s value each year

$1,881 a year for the typical owner in Anderson Creek.

  • Anderson Creek 0.67%
  • Harnett 0.69%
  • North Carolina 0.66%

What North Carolina publishes Elderly or Disabled Homestead Exclusion (North Carolina General Assembly (statute))

Exemptions and deadlines in North Carolina

Flood risk in Harnett County

FEMA does not publish these numbers by city: they are for all of Harnett County.

Homes in the high-risk zone
0.5%
224
Of those, with NFIP insurance
49%
County North Carolina U.S.
Homes in the high-risk zone 0.5% 2.8% 3.5%
Of those, with NFIP insurance 49% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Anderson Creek

Typical rent in Anderson Creek is $1,251 a month: 13% above the county. In Anderson Creek, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harnett County, by unit size. To pay the 2-bedroom one ($1,051 a month) without spending more than 30% of your income, you would need to earn $20.21 an hour working full time.

HUD fair market rent for all of Harnett County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $891 $17.13 $35,640
1 bedroom $896 $17.23 $35,840
2 bedrooms $1,051 $20.21 $42,040
3 bedrooms $1,455 $27.98 $58,200
4 bedrooms $1,757 $33.79 $70,280

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Anderson Creek

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Anderson Creek is in ZIP code 28390.

For 2 bedrooms it is $1,320: $269 more than the fair market rent for Harnett County ($1,051).

  • 28390 $1,320$1,780

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Anderson Creek when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Anderson Creek

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Harnett County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Anderson Creek

No down payment, repair or rent-help program on our list is for Anderson Creek or Harnett County. The ones below are statewide in North Carolina: they work in Anderson Creek the same as in the rest of the state.

Which programs do I qualify for? All programs in North Carolina

  • NC Home Advantage Mortgage

    Statewide in North Carolina

    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

    See the program Official page

  • NC 1st Home Advantage Down Payment

    Statewide in North Carolina

    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

    See the program Official page

  • Community Partners Loan Pool (CPLP)

    Statewide in North Carolina

    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

    See the program Official page

Housing counselors near Anderson Creek

The HUD-approved agencies closest to the center of Anderson Creek, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Kingdom Community Development Corporation

    129 N Main St, Spring Lake · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (910) 484-2722

  • North Carolina Community Housing and Consulting, Inc

    321 Dick St Ste 102, Fayetteville · 16 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (910) 849-0113

  • Brick Capital Community Development Corporation

    822 S Horner Blvd, Sanford · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    919-775-2300x3

All counseling agencies in North Carolina

Help in Spanish near Anderson Creek

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Anderson Creek

In HUD’s record, no housing authority with an office in Harnett County is named for Anderson Creek or Harnett County.

One other authority has an office in Harnett County: see the list Source: HUD

Cities

Other cities in Harnett County

These cities are also in Harnett County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Harnett County Housing in North Carolina

Nearby cities

The cities closest to Anderson Creek, with the typical home value.

Neighboring counties

If Harnett County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Anderson Creek.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Anderson Creek

Short answers with the numbers for Anderson Creek and all of Harnett County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Anderson Creek?

The typical home value in Anderson Creek is $282,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harnett County it is $246,200.

How much does it cost to rent in Anderson Creek?

Typical rent in Anderson Creek is $1,251 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harnett County is $1,051.

What is the FHA loan limit in Anderson Creek?

Anderson Creek uses the FHA limit for all of Harnett County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Anderson Creek?

The typical homeowner in Anderson Creek pays $1,881 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Harnett County, the rate is 0.69%.

Where can I find free help to buy or rent in Anderson Creek?

We found no HUD-approved counseling agencies with an office in Harnett County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).