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City · 12,087 residents · Randolph County, North Carolina

Archdale , North Carolina

In Archdale, a typical home is worth $198,000 and typical rent is $1,034 a month. Compared with all of Randolph County, typical rent is 17% higher, typical household income is 6% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $198,000

    About the same as the county

    31% below North Carolina

    • Archdale
    • Randolph
    • North Carolina

  • Typical rent

    $1,034a month

    17% above the county

    16% below North Carolina

    • Archdale
    • Randolph
    • North Carolina

  • Typical household income

    $64,757a year

    6% above the county

    11% below North Carolina

    • Archdale
    • Randolph
    • North Carolina

  • Households that own their home

    78%

    6 points above the county

    12 points above North Carolina

    • Archdale
    • Randolph
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$250,370
2.5% more than 12 months ago
Typical rent
$1,343 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Archdale is in Randolph 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 Randolph County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Archdale apart

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

  1. The typical rent in Archdale is $1,034 a month, 17% more than in Randolph County as a whole ($887).

  2. 78% of households in Archdale own their home, against 73% in Randolph County.

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

The homes here

Housing in Archdale

What homes there are in Archdale, 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

The detached house rules in Archdale: 71% of homes, more than in Randolph County (68%).

Year built

In Archdale, half of the homes were built before 1986; in Randolph County, before 1985.

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

At least 96% of owner-occupied homes in Archdale are worth less than $500,000, below the FHA loan limit for Randolph County ($541,287).

Monthly rent with utilities

With a mortgage

$1,173 a month

Randolph County: $1,258 a month

Without a mortgage

$472 a month

Randolph County: $403 a month

Owners with a mortgage

59%

Randolph County: 55%

Owning costs less in Archdale: with a mortgage, the typical cost is $1,173 a month; in Randolph County, $1,258. Without one, $472.

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

Homes in Archdale gained value more slowly than in Randolph County: 44% since 2015–2019, against 59%.

The typical rent in Archdale rose 45% over the same time; in Randolph County, it rose 26%.

Housing prices ran ahead of income in Archdale: typical income rose 22%, against +44% for home values and +45% for rent.

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

MeasureArchdaleRandolph CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate3.2%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate2.8%2.2%3.4%
People per household 2.482.512.442.53
Drive alone 80%82%72%69%
Carpool 10%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 7%7%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Archdale look like those in Randolph County: 2.48 people on average.

In Archdale, 80% of workers drive alone to work; in Randolph County, 82%.

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 Archdale?

A typical home is tight for the typical income

We start with a typical home in Archdale, worth $198,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Archdale, which is $64,757 a year. For that payment to be 28% of income, a household would need to earn about $69,744 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Archdale. 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 $6,930 (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

$1,627

at 7.18% · 30 years

Loan amount
$194,414
Total interest
$279,716
Paid off in
November 2056

Includes $3,344 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,511 a month

  • Tight

    $1,511 to $1,943 a month

    Your payment · 30%

  • Hard

    more than $1,943 a month

Compared with the typical household income in Archdale ($64,757 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,627
Principal & interest$1,317
Property tax$140
Home insurance$83
FHA mortgage insurance (MIP)$88

You need at least $6,930 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

Archdale and Randolph County

Archdale is in Randolph 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).

Archdale's own numbers

Typical home value
$198,000
Typical monthly rent
$1,034
Typical yearly household income
$64,757
Households that own their home
78%
Effective property tax rate
0.85%

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

Numbers for all of Randolph County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,271
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
0.3%

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 Randolph County.

Everything about Randolph County

Buying

Buying a home in Archdale

A typical home in Archdale is worth $198,000: about the same as the county and 31% below North Carolina. With the typical household income in Archdale ($64,757 a year), a typical home costs 3.1 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.

  • Archdale 3.1 years
  • Randolph 3.2 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Randolph County

According to FHFA’s house price index, home prices in Randolph County rose 105% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +2.1% +2.5% +2.9%
5 years (2020–2025) +65% +60% +47%
10 years (2015–2025) +105% +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

Archdale next to Randolph 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
  • Archdale $198,000
  • Randolph $197,100
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Archdale $1,034
  • Randolph $887
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Archdale $64,757
  • Randolph $61,022
  • North Carolina $72,388
  • United States $80,734
See the full table
Archdale next to Randolph County and North Carolina
Measure Archdale Randolph County North Carolina U.S.
Typical home value $198,000 $197,100 $288,900 $332,700
Typical monthly rent $1,034 $887 $1,228 $1,413
Typical yearly household income $64,757 $61,022 $72,388 $80,734
Households that own their home 78% 73% 67% 65%
Typical yearly property tax $1,682 $1,324 $1,896 $3,119
Effective property tax rate 0.85% 0.67% 0.66% 0.94%
Renters with high rent for their income 45% 44% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Randolph 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 Archdale

For a typical $198,000 home in Archdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Archdale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,627a month

    Least cash to close
    Down payment
    $6,930
    Cash to close
    $12,870
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $88

  • Conventional, 5% down $1,591a month

    Down payment
    $9,900
    Cash to close
    $15,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $94

  • Conventional, 20% down, no PMI $1,296a month

    Down payment
    $39,600
    Cash to close
    $45,540
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,479a month

    Down payment
    $29,700
    Cash to close
    $35,640
    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 Archdale and for Randolph County.

Property tax

Effective rate in Archdale

0.85%of the home’s value each year

$1,682 a year for the typical owner in Archdale.

  • Archdale 0.85%
  • Randolph 0.67%
  • 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 Randolph County

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

Homes in the high-risk zone
0.3%
190
Of those, with NFIP insurance
35%
County North Carolina U.S.
Homes in the high-risk zone 0.3% 2.8% 3.5%
Of those, with NFIP insurance 35% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Archdale

Typical rent in Archdale is $1,034 a month: 17% above the county. In Archdale, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Randolph County, by unit size. To pay the 2-bedroom one ($1,271 a month) without spending more than 30% of your income, you would need to earn $24.44 an hour working full time.

HUD fair market rent for all of Randolph 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 $1,121 $21.56 $44,840
1 bedroom $1,168 $22.46 $46,720
2 bedrooms $1,271 $24.44 $50,840
3 bedrooms $1,644 $31.62 $65,760
4 bedrooms $1,932 $37.15 $77,280

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 Archdale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Archdale has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,100 in 27263 to $1,120 in 27370.

None is above the fair market rent for Randolph County ($1,271).

  • 27263 $1,100$1,420
  • 27370 $1,120$1,450

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Archdale 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 Archdale

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 Randolph County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Archdale

No down payment, repair or rent-help program on our list is for Archdale or Randolph County. The ones below are statewide in North Carolina: they work in Archdale 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 Archdale

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

  • Housing Authority of the City of High Point

    500 E Russell Ave, High Point · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (336) 887-2661

  • CCCS of Greater Greensboro

    1401 Long Street, High Point · 6 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (336) 889-6108

  • Housing Foundation of America, Greensboro Branch

    122 N Elm St Ste 525, Greensboro · 15 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (800) 579-4119

All counseling agencies in North Carolina

Help in Spanish near Archdale

None 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 Archdale

In HUD’s record, no housing authority with an office in Randolph County is named for Archdale or Randolph County.

2 other authorities have an office in Randolph County: see the list Source: HUD

Cities

Other cities in Randolph County

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

Everything about Randolph County Housing in North Carolina

Nearby cities

The cities closest to Archdale, with the typical home value.

Neighboring counties

If Randolph 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 Archdale.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Archdale

Short answers with the numbers for Archdale and all of Randolph 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 Archdale?

The typical home value in Archdale is $198,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Randolph County it is $197,100.

How much does it cost to rent in Archdale?

Typical rent in Archdale is $1,034 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Randolph County is $1,271.

What is the FHA loan limit in Archdale?

Archdale uses the FHA limit for all of Randolph 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 Archdale?

The typical homeowner in Archdale pays $1,682 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Randolph County, the rate is 0.67%.

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

We found no HUD-approved counseling agencies with an office in Randolph 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).