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City · 5,186 residents · Johnston County, North Carolina

Archer Lodge , North Carolina

In Archer Lodge, a typical home is worth $324,500 and typical rent is $1,458 a month. Compared with all of Johnston County, typical rent is 27% higher and typical household income is 9% higher.

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  • Typical home value

    $324,500

    6% above the county

    12% above North Carolina

    • Archer Lodge
    • Johnston
    • North Carolina

  • Typical rent

    $1,458a month

    27% above the county

    19% above North Carolina

    • Archer Lodge
    • Johnston
    • North Carolina

  • Typical household income

    $91,188a year

    9% above the county

    26% above North Carolina

    • Archer Lodge
    • Johnston
    • North Carolina

  • Households that own their home

    80%

    4 points above the county

    13 points above North Carolina

    • Archer Lodge
    • Johnston
    • North Carolina

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

Archer Lodge is in Johnston 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 Johnston County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Archer Lodge apart

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

  1. Nearby, in Selma, the typical home value is $171,600: 47% less than in Archer Lodge ($324,500).

  2. Nearby, in Selma, the typical rent is $820: 44% less than in Archer Lodge ($1,458).

  3. The typical rent in Archer Lodge is $1,458 a month, 27% more than in Johnston County as a whole ($1,146).

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

The homes here

Housing in Archer Lodge

What homes there are in Archer Lodge, 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 Archer Lodge: 83% of homes, more than in Johnston County (76%).

There are more mobile homes here than in Johnston County: 17% of homes, against 13%.

Year built

Homes in Archer Lodge are older: the typical year built is 1996; in Johnston County, 2000.

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
Monthly rent with utilities

With a mortgage

$1,673 a month

Johnston County: $1,665 a month

Without a mortgage

$536 a month

Johnston County: $494 a month

Owners with a mortgage

71%

Johnston County: 70%

Owning costs about the same in Archer Lodge as in Johnston County: with a mortgage, $1,673 a month; without one, $536.

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 typical home value in Archer Lodge rose 77% since 2015–2019, less than in Johnston County (85%).

Since 2015–2019, the typical rent in Archer Lodge rose 83%, more than in Johnston County (34%).

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

MeasureArcher LodgeJohnston CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate3.8%7.1%5.5%
Homeowner vacancy Unreliable estimate0.6%1.3%0.9%
More than one person per room Unreliable estimate2.9%2.2%3.4%
People per household 2.692.722.442.53
Drive alone 69%76%72%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 23%15%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Archer Lodge has 2.69 people on average, about the same as in Johnston County (2.72).

Working from home is more common in Archer Lodge: 23%, against 15% in Johnston County.

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 Archer Lodge?

A typical home is tight for the typical income

We start with a typical home in Archer Lodge, worth $324,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Archer Lodge, which is $91,188 a year. For that payment to be 28% of income, a household would need to earn about $113,491 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Archer Lodge. 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 $11,358 (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

$2,648

at 7.18% · 30 years

Loan amount
$318,622
Total interest
$458,422
Paid off in
November 2056

Includes $5,480 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,128 a month

  • Tight

    $2,128 to $2,736 a month

    Your payment · 35%

  • Hard

    more than $2,736 a month

Compared with the typical household income in Archer Lodge ($91,188 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,648
Principal & interest$2,158
Property tax$211
Home insurance$135
FHA mortgage insurance (MIP)$144

You need at least $11,358 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

Archer Lodge and Johnston County

Archer Lodge is in Johnston 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).

Archer Lodge's own numbers

Typical home value
$324,500
Typical monthly rent
$1,458
Typical yearly household income
$91,188
Households that own their home
80%
Effective property tax rate
0.78%

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

Numbers for all of Johnston County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,689
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
0.7%

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 Johnston County.

Everything about Johnston County

Buying

Buying a home in Archer Lodge

A typical home in Archer Lodge is worth $324,500: 6% above the county and 12% above North Carolina. With the typical household income in Archer Lodge ($91,188 a year), a typical home costs 3.6 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.

  • Archer Lodge 3.6 years
  • Johnston 3.7 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Johnston County

According to FHFA’s house price index, home prices in Johnston County rose 106% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +1.4% +2.5% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +106% +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

Archer Lodge next to Johnston 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
  • Archer Lodge $324,500
  • Johnston $305,600
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Archer Lodge $1,458
  • Johnston $1,146
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Archer Lodge $91,188
  • Johnston $83,384
  • North Carolina $72,388
  • United States $80,734
See the full table
Archer Lodge next to Johnston County and North Carolina
Measure Archer Lodge Johnston County North Carolina U.S.
Typical home value $324,500 $305,600 $288,900 $332,700
Typical monthly rent $1,458 $1,146 $1,228 $1,413
Typical yearly household income $91,188 $83,384 $72,388 $80,734
Households that own their home 80% 76% 67% 65%
Typical yearly property tax $2,546 $1,908 $1,896 $3,119
Effective property tax rate 0.78% 0.62% 0.66% 0.94%

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

For a typical $324,500 home in Archer Lodge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Archer Lodge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,648a month

    Least cash to close
    Down payment
    $11,358
    Cash to close
    $21,093
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $144

  • Conventional, 5% down $2,589a month

    Down payment
    $16,225
    Cash to close
    $25,960
    Rate
    7.18%
    Mortgage insurance
    PMI · $154

  • Conventional, 20% down, no PMI $2,105a month

    Down payment
    $64,900
    Cash to close
    $74,635
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,405a month

    Down payment
    $48,675
    Cash to close
    $58,410
    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 Archer Lodge and for Johnston County.

Property tax

Effective rate in Archer Lodge

0.78%of the home’s value each year

$2,546 a year for the typical owner in Archer Lodge.

  • Archer Lodge 0.78%
  • Johnston 0.62%
  • 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 Johnston County

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

Homes in the high-risk zone
0.7%
486
Of those, with NFIP insurance
36%
County North Carolina U.S.
Homes in the high-risk zone 0.7% 2.8% 3.5%
Of those, with NFIP insurance 36% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Archer Lodge

Typical rent in Archer Lodge is $1,458 a month: 27% above the county.

HUD publishes a fair market rent for all of Johnston County, by unit size. To pay the 2-bedroom one ($1,689 a month) without spending more than 30% of your income, you would need to earn $32.48 an hour working full time.

HUD fair market rent for all of Johnston 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 $1,489 $28.63 $59,560
1 bedroom $1,552 $29.85 $62,080
2 bedrooms $1,689 $32.48 $67,560
3 bedrooms $2,103 $40.44 $84,120
4 bedrooms $2,823 $54.29 $112,920

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 Archer Lodge

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

For 2 bedrooms it runs from $1,440 in 27591 to $1,900 in 27527.

1 of the 2 is above the fair market rent for Johnston County ($1,689).

  • 27527 $1,900$2,370
  • 27591 $1,440$1,790

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

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Archer Lodge

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

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

  • Dhic, Inc.

    113 S Wilmington St, Raleigh · 16 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (919) 832-4345

  • Cccs, A Division of Triangle Family Services, Inc.

    3937 Western Blvd, Raleigh · 19 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 17 more languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (919) 821-0790

  • Carolina Community Impact Inc.

    3725 National Dr, Raleigh · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (866) 635-6414

All counseling agencies in North Carolina

Help in Spanish near Archer Lodge

3 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 Archer Lodge

HUD’s record names them for Archer Lodge or Johnston County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Johnston County Housing Assistance Payments Program Section 8 vouchers (919) 989-5070

3 other authorities have an office in Johnston County: see the list Source: HUD

Cities

Other cities in Johnston County

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

Everything about Johnston County Housing in North Carolina

Nearby cities

The cities closest to Archer Lodge, with the typical home value.

Neighboring counties

If Johnston 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 Archer Lodge.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Archer Lodge

Short answers with the numbers for Archer Lodge and all of Johnston 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 Archer Lodge?

The typical home value in Archer Lodge is $324,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Johnston County it is $305,600.

How much does it cost to rent in Archer Lodge?

Typical rent in Archer Lodge is $1,458 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Johnston County is $1,689.

What is the FHA loan limit in Archer Lodge?

Archer Lodge uses the FHA limit for all of Johnston 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 Archer Lodge?

The typical homeowner in Archer Lodge pays $2,546 a year, according to the U.S. Census Bureau. That is 0.78% of the home’s value; in Johnston County, the rate is 0.62%.

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

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