Español

Este sitio también está en español. Leer en español

City · 6,049 residents · Chatham County, North Carolina

Briar Chapel , North Carolina

In Briar Chapel, a typical home is worth $570,300 and typical rent is $3,177 a month. Compared with all of Chatham County, typical rent is 169% higher, typical household income is 76% higher, and the share of households that own their home is 13 points higher.

WhatsApp

  • Typical home value

    $570,300

    28% above the county

    97% above North Carolina

    • Briar Chapel
    • Chatham
    • North Carolina

  • Typical rent

    $3,177a month

    169% above the county

    159% above North Carolina

    • Briar Chapel
    • Chatham
    • North Carolina

  • Typical household income

    $166,063a year

    76% above the county

    129% above North Carolina

    • Briar Chapel
    • Chatham
    • North Carolina

  • Households that own their home

    93%

    13 points above the county

    26 points above North Carolina

    • Briar Chapel
    • Chatham
    • North Carolina

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

Briar Chapel is in Chatham County. The FHA loan limit ($634,800 for a one-unit home), the fair market rents and the help on this page are those of all of Chatham County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Briar Chapel apart

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

  1. Briar Chapel has the highest typical rent of the 154 cities in North Carolina with more than 5,000 people: $3,177.

  2. The typical household income in Briar Chapel is $166,063, 76% more than in Chatham County as a whole ($94,317).

  3. Nearby, in Carrboro, the typical rent is $1,470: 54% less than in Briar Chapel ($3,177).

  4. Nearby, in Durham, the typical home value is $392,800: 31% less than in Briar Chapel ($570,300).

  5. The typical home in Briar Chapel is worth $570,300, 28% more than in Chatham County as a whole ($446,200).

  6. 93% of households in Briar Chapel own their home, against 81% in Chatham County.

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

The homes here

Housing in Briar Chapel

What homes there are in Briar Chapel, 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 Briar Chapel, 10 in 10 homes are single-family detached houses; in Chatham County, 8.

Year built

Homes in Briar Chapel are newer: the typical year built is 2014; in Chatham County, 1998.

There is more room for a big family here: 97% of homes have 3 bedrooms or more, against 75% in Chatham 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
Monthly rent with utilities

With a mortgage

$2,398 a month

Chatham County: $2,118 a month

Without a mortgage

$631 a month

Chatham County: $616 a month

Owners with a mortgage

82%

Chatham County: 56%

In Briar Chapel, 82% of owners have a mortgage, and their typical cost is $2,398 a month, against $2,118 in Chatham County. Without one it drops to $631.

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

Briar Chapel does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Chatham County the typical home value rose 58%.

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

MeasureBriar ChapelChatham CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate2.0%2.2%3.4%
People per household 2.802.412.442.53
Drive alone 53%68%72%69%
Carpool Unreliable estimate6%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 42%23%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Briar Chapel are bigger: 2.80 people on average; in Chatham County, 2.41.

Many people here do not commute at all: 42% work from home; in Chatham County, 23%.

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 Briar Chapel?

A typical home is tight for the typical income

We start with a typical home in Briar Chapel, worth $570,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Briar Chapel, which is $166,063 a year. For that payment to be 28% of income, a household would need to earn about $196,198 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Briar Chapel. 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 $19,961 (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

$4,578

at 7.18% · 30 years

Loan amount
$559,970
Total interest
$805,665
Paid off in
November 2056

Includes $9,631 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,875 a month

  • Tight

    $3,875 to $4,982 a month

    Your payment · 33%

  • Hard

    more than $4,982 a month

Compared with the typical household income in Briar Chapel ($166,063 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,578
Principal & interest$3,793
Property tax$295
Home insurance$238
FHA mortgage insurance (MIP)$252

You need at least $19,961 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

Briar Chapel and Chatham County

Briar Chapel is in Chatham 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).

Briar Chapel's own numbers

Typical home value
$570,300
Typical monthly rent
$3,177
Typical yearly household income
$166,063
Households that own their home
93%
Effective property tax rate
0.62%

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

Numbers for all of Chatham County

FHA limit, one-unit home
$634,800
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,745
Price change over 5 years (FHFA)
+66%
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 Chatham County.

Everything about Chatham County

Buying

Buying a home in Briar Chapel

A typical home in Briar Chapel is worth $570,300: 28% above the county and 97% above North Carolina. With the typical household income in Briar Chapel ($166,063 a year), a typical home costs 3.4 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.

  • Briar Chapel 3.4 years
  • Chatham 4.7 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chatham County

According to FHFA’s house price index, home prices in Chatham County rose 104% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +6.0% +2.5% +2.9%
5 years (2020–2025) +66% +60% +47%
10 years (2015–2025) +104% +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

Briar Chapel next to Chatham 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
  • Briar Chapel $570,300
  • Chatham $446,200
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Briar Chapel $3,177
  • Chatham $1,180
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Briar Chapel $166,063
  • Chatham $94,317
  • North Carolina $72,388
  • United States $80,734
See the full table
Briar Chapel next to Chatham County and North Carolina
Measure Briar Chapel Chatham County North Carolina U.S.
Typical home value $570,300 $446,200 $288,900 $332,700
Typical monthly rent $3,177 $1,180 $1,228 $1,413
Typical yearly household income $166,063 $94,317 $72,388 $80,734
Households that own their home 93% 81% 67% 65%
Typical yearly property tax $3,556 $2,847 $1,896 $3,119
Effective property tax rate 0.62% 0.64% 0.66% 0.94%

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

For a typical $570,300 home in Briar Chapel, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Briar Chapel's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,578a month

    Least cash to close
    Down payment
    $19,961
    Cash to close
    $37,070
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $252

  • Conventional, 5% down $4,473a month

    Down payment
    $28,515
    Cash to close
    $45,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $271

  • Conventional, 20% down, no PMI $3,623a month

    Down payment
    $114,060
    Cash to close
    $131,169
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,150a month

    Down payment
    $85,545
    Cash to close
    $102,654
    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 Briar Chapel and for Chatham County.

Property tax

Effective rate in Briar Chapel

0.62%of the home’s value each year

$3,556 a year for the typical owner in Briar Chapel.

  • Briar Chapel 0.62%
  • Chatham 0.64%
  • 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 Chatham County

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

Homes in the high-risk zone
0.3%
73
Of those, with NFIP insurance
45%
County North Carolina U.S.
Homes in the high-risk zone 0.3% 2.8% 3.5%
Of those, with NFIP insurance 45% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Briar Chapel

Typical rent in Briar Chapel is $3,177 a month: 169% above the county.

HUD publishes a fair market rent for all of Chatham County, by unit size. To pay the 2-bedroom one ($1,745 a month) without spending more than 30% of your income, you would need to earn $33.56 an hour working full time.

HUD fair market rent for all of Chatham 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 $1,498 $28.81 $59,920
1 bedroom $1,554 $29.88 $62,160
2 bedrooms $1,745 $33.56 $69,800
3 bedrooms $2,161 $41.56 $86,440
4 bedrooms $2,486 $47.81 $99,440

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 Briar Chapel

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Briar Chapel is in ZIP code 27516.

For 2 bedrooms it is $1,750: $5 more than the fair market rent for Chatham County ($1,745).

  • 27516 $1,750$2,170

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

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Briar Chapel

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

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

  • Empowerment Incorporated

    109 N Graham St Ste 200, Chapel Hill · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (919) 967-8779

  • White Oak Foundation, Inc.

    1624 White Oak Church Rd, Apex · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (919) 362-6799

  • North Carolina Housing Coalition

    3608 University Dr Ste 201, Durham · 14 miles away

    (919) 881-0707

All counseling agencies in North Carolina

Help in Spanish near Briar Chapel

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 Briar Chapel

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

All housing agencies in North Carolina Source: HUD

Cities

Other cities in Chatham County

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

Everything about Chatham County Housing in North Carolina

Nearby cities

The cities closest to Briar Chapel, with the typical home value.

Neighboring counties

If Chatham 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 Briar Chapel.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Briar Chapel

Short answers with the numbers for Briar Chapel and all of Chatham 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 Briar Chapel?

The typical home value in Briar Chapel is $570,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chatham County it is $446,200.

How much does it cost to rent in Briar Chapel?

Typical rent in Briar Chapel is $3,177 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chatham County is $1,745.

What is the FHA loan limit in Briar Chapel?

Briar Chapel uses the FHA limit for all of Chatham County (2026): $634,800 for a one-unit home and $1,220,800 for a four-unit home.

How much property tax do owners pay in Briar Chapel?

The typical homeowner in Briar Chapel pays $3,556 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Chatham County, the rate is 0.64%.

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

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