Español

Este sitio también está en español. Leer en español

City · 5,150 residents · Pitt County, North Carolina

Ayden , North Carolina

In Ayden, a typical home is worth $182,400 and typical rent is $778 a month. Compared with all of Pitt County, typical household income is 27% lower, typical rent is 22% lower, and the share of households that own their home is 8 points higher.

WhatsApp

  • Typical home value

    $182,400

    13% below the county

    37% below North Carolina

    • Ayden
    • Pitt
    • North Carolina

  • Typical rent

    $778a month

    22% below the county

    37% below North Carolina

    • Ayden
    • Pitt
    • North Carolina

  • Typical household income

    $42,413a year

    27% below the county

    41% below North Carolina

    • Ayden
    • Pitt
    • North Carolina

  • Households that own their home

    59%

    8 points above the county

    7 points below North Carolina

    • Ayden
    • Pitt
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$223,596
2.1% more than 12 months ago

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

Ayden is in Pitt 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 Pitt County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ayden apart

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

  1. Nearby, in Kinston, the typical home value is $119,300: 35% less than in Ayden ($182,400).

  2. The typical household income in Ayden is $42,413, 27% less than in Pitt County as a whole ($58,188).

  3. The typical rent in Ayden is $778 a month, 22% less than in Pitt County as a whole ($993).

  4. 59% of households in Ayden own their home, against 51% in Pitt County.

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

The homes here

Housing in Ayden

What homes there are in Ayden, 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 Ayden, 7 in 10 homes are single-family detached houses; in Pitt County, 5.

Year built

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

At least 81% of rented homes in Ayden cost less than $1,000, below HUD's 2-bedroom fair market rent ($1,167).

With a mortgage

$1,296 a month

Pitt County: $1,467 a month

Without a mortgage

$550 a month

Pitt County: $543 a month

Owners with a mortgage

60%

Pitt County: 62%

Owning costs less in Ayden: with a mortgage, the typical cost is $1,296 a month; in Pitt County, $1,467. Without one, $550.

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

Since 2015–2019, homes in Ayden gained value faster than in Pitt County: 55% against 41%.

Rents in Ayden rose faster than in Pitt County: 30% since 2015–2019, against 25%.

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

MeasureAydenPitt CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate4.5%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate1.4%2.2%3.4%
People per household 2.202.302.442.53
Drive alone 89%75%72%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate12%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Ayden has 2.20 people on average, about the same as in Pitt County (2.30).

In Ayden, 89% of workers drive alone to work; in Pitt County, 75%.

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 Ayden?

A typical home costs more than the typical income allows

We start with a typical home in Ayden, worth $182,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Ayden, which is $42,413 a year. For that payment to be 28% of income, a household would need to earn about $64,900 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ayden. 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 $6,384 (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

$1,514

at 7.18% · 30 years

Loan amount
$179,096
Total interest
$257,678
Paid off in
November 2056

Includes $3,080 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $990 a month

  • Tight

    $990 to $1,272 a month

  • Hard

    more than $1,272 a month

    Your payment · 43%

Compared with the typical household income in Ayden ($42,413 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,514
Principal & interest$1,213
Property tax$144
Home insurance$76
FHA mortgage insurance (MIP)$81

You need at least $6,384 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

Ayden and Pitt County

Ayden is in Pitt 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).

Ayden's own numbers

Typical home value
$182,400
Typical monthly rent
$778
Typical yearly household income
$42,413
Households that own their home
59%
Effective property tax rate
0.95%

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

Numbers for all of Pitt County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,167
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
3.7%

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 Pitt County.

Everything about Pitt County

Buying

Buying a home in Ayden

A typical home in Ayden is worth $182,400: 13% below the county and 37% below North Carolina. With the typical household income in Ayden ($42,413 a year), a typical home costs 4.3 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.

  • Ayden 4.3 years
  • Pitt 3.6 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pitt County

According to FHFA’s house price index, home prices in Pitt County rose 83% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +3.0% +2.5% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +83% +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

Ayden next to Pitt 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
  • Ayden $182,400
  • Pitt $208,900
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Ayden $778
  • Pitt $993
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Ayden $42,413
  • Pitt $58,188
  • North Carolina $72,388
  • United States $80,734
See the full table
Ayden next to Pitt County and North Carolina
Measure Ayden Pitt County North Carolina U.S.
Typical home value $182,400 $208,900 $288,900 $332,700
Typical monthly rent $778 $993 $1,228 $1,413
Typical yearly household income $42,413 $58,188 $72,388 $80,734
Households that own their home 59% 51% 67% 65%
Typical yearly property tax $1,734 $1,734 $1,896 $3,119
Effective property tax rate 0.95% 0.83% 0.66% 0.94%
Renters with high rent for their income 61% 51% 49% 51%

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

For a typical $182,400 home in Ayden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ayden's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,514a month

    Least cash to close
    Down payment
    $6,384
    Cash to close
    $11,856
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $81

  • Conventional, 5% down $1,481a month

    Down payment
    $9,120
    Cash to close
    $14,592
    Rate
    7.18%
    Mortgage insurance
    PMI · $87

  • Conventional, 20% down, no PMI $1,209a month

    Down payment
    $36,480
    Cash to close
    $41,952
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,378a month

    Down payment
    $27,360
    Cash to close
    $32,832
    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 Ayden and for Pitt County.

Property tax

Effective rate in Ayden

0.95%of the home’s value each year

$1,734 a year for the typical owner in Ayden.

  • Ayden 0.95%
  • Pitt 0.83%
  • 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 Pitt County

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

Homes in the high-risk zone
3.7%
2,313
Of those, with NFIP insurance
34%
County North Carolina U.S.
Homes in the high-risk zone 3.7% 2.8% 3.5%
Of those, with NFIP insurance 34% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ayden

Typical rent in Ayden is $778 a month: 22% below the county. In Ayden, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pitt County, by unit size. To pay the 2-bedroom one ($1,167 a month) without spending more than 30% of your income, you would need to earn $22.44 an hour working full time.

HUD fair market rent for all of Pitt 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 $961 $18.48 $38,440
1 bedroom $967 $18.60 $38,680
2 bedrooms $1,167 $22.44 $46,680
3 bedrooms $1,518 $29.19 $60,720
4 bedrooms $1,909 $36.71 $76,360

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 Ayden

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ayden is in ZIP code 28513.

For 2 bedrooms it is $1,010: $157 less than the fair market rent for Pitt County ($1,167).

  • 28513 $1,010$1,320

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ayden 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?

Low-income apartments

Low-income apartments in Ayden

HUD lists 5 buildings with rents for lower incomes in Ayden. These are the largest.

  • Liberty Arms / North Juanita Homes 225A Belvedere Ct, Ayden 28513 175 low-income homes · Run by Ayden Housing Authority · Average payment: $363 a month · Average wait: 16 months (252) 746-2021
  • Arbor's Park Senior Living 323 Arbors Park Cir, Ayden 28513 64 low-income homes · 1 bd: 32 · 2 bd: 32 · For older adults
  • Briarcliff Manor 659 Fawn Rd, Ayden 28513 40 low-income homes · For older adults (252) 746-3405
  • Ashton Spring Apts 330 Snow Hill St, Ayden 28513 25 low-income homes · 1 bd: 16 · 2 bd: 9 · In service since 2005 · For older adults, people with disabilities, people experiencing homelessness
  • Deer View Apts 733A Boulevard St, Ayden 28513 25 low-income homes · 1 bd: 8 · 2 bd: 14 · 3 bd: 3 · In service since 2005 · For people with disabilities, families

See all 47 buildings in Pitt County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ayden

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Ayden

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

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

  • Wilson Community Improvement Association, Inc.

    504 Green St E, Wilson · 33 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    252-243-4855x214

  • Housing Authority of the City of Rocky Mount, NC

    901 Authority Dr, Rocky Mount · 38 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (252) 977-3141

  • City of Jacksonville

    815 New Bridge St, Jacksonville · 50 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (910) 938-6551

All counseling agencies in North Carolina

Help in Spanish near Ayden

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 Ayden

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

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

Cities

Other cities in Pitt County

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

Everything about Pitt County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Pitt 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 Ayden.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Ayden

Short answers with the numbers for Ayden and all of Pitt 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 Ayden?

The typical home value in Ayden is $182,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pitt County it is $208,900.

How much does it cost to rent in Ayden?

Typical rent in Ayden is $778 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pitt County is $1,167.

What is the FHA loan limit in Ayden?

Ayden uses the FHA limit for all of Pitt 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 Ayden?

The typical homeowner in Ayden pays $1,734 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Pitt County, the rate is 0.83%.

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

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