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City · 21,871 residents · Forsyth County, North Carolina

Clemmons , North Carolina

In Clemmons, a typical home is worth $335,800 and typical rent is $1,269 a month. Compared with all of Forsyth County, the typical home value is 34% higher, typical household income is 31% higher, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $335,800

    34% above the county

    16% above North Carolina

    • Clemmons
    • Forsyth
    • North Carolina

  • Typical rent

    $1,269a month

    16% above the county

    3% above North Carolina

    • Clemmons
    • Forsyth
    • North Carolina

  • Typical household income

    $87,655a year

    31% above the county

    21% above North Carolina

    • Clemmons
    • Forsyth
    • North Carolina

  • Households that own their home

    76%

    12 points above the county

    9 points above North Carolina

    • Clemmons
    • Forsyth
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$384,402
about the same as 12 months ago
Typical rent
$1,785 a month
3.3% more than 12 months ago

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

Clemmons is in Forsyth 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 Forsyth County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clemmons apart

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

  1. Nearby, in Winston-Salem, the typical home value is $233,800: 30% less than in Clemmons ($335,800).

  2. Nearby, in Mocksville, the typical rent is $892: 30% less than in Clemmons ($1,269).

  3. The typical home in Clemmons is worth $335,800, 34% more than in Forsyth County as a whole ($250,400).

  4. The typical household income in Clemmons is $87,655, 31% more than in Forsyth County as a whole ($67,165).

  5. 76% of households in Clemmons own their home, against 64% in Forsyth County.

  6. The typical rent in Clemmons is $1,269 a month, 16% more than in Forsyth County as a whole ($1,098).

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

The homes here

Housing in Clemmons

What homes there are in Clemmons, 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

Detached houses, standing on their own, make up 72% of homes here, against 67% in Forsyth County.

Year built

Here half of the homes date from 1994 or later; in Forsyth County, from 1984 or later.

Homes in Clemmons are bigger: 72% have 3 bedrooms or more; in Forsyth County, 62%.

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

The FHA loan limit for Forsyth County is $541,287, and about 91% of owner-occupied homes in Clemmons are worth less than that.

Monthly rent with utilities

With a mortgage

$1,713 a month

Forsyth County: $1,500 a month

Without a mortgage

$538 a month

Forsyth County: $478 a month

Owners with a mortgage

63%

Forsyth County: 63%

The typical cost for an owner with a mortgage in Clemmons is $1,713 a month, more than in Forsyth County ($1,500); without one, $538.

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 Clemmons gained value more slowly than in Forsyth County: 48% since 2015–2019, against 57%.

Rents in Clemmons rose faster than in Forsyth County: 47% since 2015–2019, against 35%.

The typical household income in Clemmons rose 24%: less than home values (+48%) and rent (+47%).

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

MeasureClemmonsForsyth CountyNorth CarolinaUnited States
Rental vacancy 11.6%7.5%7.1%5.5%
Homeowner vacancy Unreliable estimate1.0%1.3%0.9%
More than one person per room Unreliable estimate2.3%2.2%3.4%
People per household 2.462.372.442.53
Drive alone 72%74%72%69%
Carpool 6%8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 21%15%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

There is more rental housing open in Clemmons: 11.6% is empty and offered for rent, against 7.5% in Forsyth County.

Much as in Forsyth County, a household in Clemmons has 2.46 people on average.

Working from home is more common in Clemmons: 21%, against 15% in Forsyth 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 Clemmons?

A typical home costs more than the typical income allows

We start with a typical home in Clemmons, worth $335,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Clemmons, which is $87,655 a year. For that payment to be 28% of income, a household would need to earn about $116,363 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Clemmons. 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 $11,753 (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

$2,715

at 7.18% · 30 years

Loan amount
$329,718
Total interest
$474,387
Paid off in
November 2056

Includes $5,671 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,045 a month

  • Tight

    $2,045 to $2,630 a month

  • Hard

    more than $2,630 a month

    Your payment · 37%

Compared with the typical household income in Clemmons ($87,655 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,715
Principal & interest$2,234
Property tax$193
Home insurance$140
FHA mortgage insurance (MIP)$149

You need at least $11,753 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

Clemmons and Forsyth County

Clemmons is in Forsyth 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).

Clemmons's own numbers

Typical home value
$335,800
Typical monthly rent
$1,269
Typical yearly household income
$87,655
Households that own their home
76%
Effective property tax rate
0.69%

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

Numbers for all of Forsyth County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,332
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
0.4%

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 Forsyth County.

Everything about Forsyth County

Buying

Buying a home in Clemmons

A typical home in Clemmons is worth $335,800: 34% above the county and 16% above North Carolina. With the typical household income in Clemmons ($87,655 a year), a typical home costs 3.8 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.

  • Clemmons 3.8 years
  • Forsyth 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 Forsyth County

According to FHFA’s house price index, home prices in Forsyth County rose 101% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +3.5% +2.5% +2.9%
5 years (2020–2025) +62% +60% +47%
10 years (2015–2025) +101% +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

Clemmons next to Forsyth 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
  • Clemmons $335,800
  • Forsyth $250,400
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Clemmons $1,269
  • Forsyth $1,098
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Clemmons $87,655
  • Forsyth $67,165
  • North Carolina $72,388
  • United States $80,734
See the full table
Clemmons next to Forsyth County and North Carolina
Measure Clemmons Forsyth County North Carolina U.S.
Typical home value $335,800 $250,400 $288,900 $332,700
Typical monthly rent $1,269 $1,098 $1,228 $1,413
Typical yearly household income $87,655 $67,165 $72,388 $80,734
Households that own their home 76% 64% 67% 65%
Typical yearly property tax $2,304 $1,984 $1,896 $3,119
Effective property tax rate 0.69% 0.79% 0.66% 0.94%
Renters with high rent for their income 48% 49% 49% 51%

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

For a typical $335,800 home in Clemmons, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clemmons's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,715a month

    Least cash to close
    Down payment
    $11,753
    Cash to close
    $21,827
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $149

  • Conventional, 5% down $2,654a month

    Down payment
    $16,790
    Cash to close
    $26,864
    Rate
    7.18%
    Mortgage insurance
    PMI · $160

  • Conventional, 20% down, no PMI $2,153a month

    Down payment
    $67,160
    Cash to close
    $77,234
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,463a month

    Down payment
    $50,370
    Cash to close
    $60,444
    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 Clemmons and for Forsyth County.

Property tax

Effective rate in Clemmons

0.69%of the home’s value each year

$2,304 a year for the typical owner in Clemmons.

  • Clemmons 0.69%
  • Forsyth 0.79%
  • 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 Forsyth County

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

Homes in the high-risk zone
0.4%
474
Of those, with NFIP insurance
45%
County North Carolina U.S.
Homes in the high-risk zone 0.4% 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 Clemmons

Typical rent in Clemmons is $1,269 a month: 16% above the county. In Clemmons, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Forsyth County, by unit size. To pay the 2-bedroom one ($1,332 a month) without spending more than 30% of your income, you would need to earn $25.62 an hour working full time.

HUD fair market rent for all of Forsyth 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 $1,079 $20.75 $43,160
1 bedroom $1,224 $23.54 $48,960
2 bedrooms $1,332 $25.62 $53,280
3 bedrooms $1,754 $33.73 $70,160
4 bedrooms $2,135 $41.06 $85,400

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 Clemmons

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

For 2 bedrooms it runs from $1,450 in 27012 to $1,550 in 27103.

2 of the 2 are above the fair market rent for Forsyth County ($1,332).

  • 27012 $1,450$1,930
  • 27103 $1,550$2,040

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

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.

There are 3 HUD-approved agencies with an office in Forsyth County; 3 say they serve in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Clemmons

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

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

  • Credit.org - North Carolina Branch

    615 Saint George Square Ct, Winston Salem · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Financial Pathways of the Piedmont

    7820 North Point Boulevard, Suite 100, Winston Salem · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    336-896-1191-1102

  • Financial Pathways of the Piedmont - Winston-Salem Office

    7820 North Point Blvd, Suite #100, Winston Salem · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    336-773-0286-104

Every agency in Forsyth County All counseling agencies in North Carolina

Help in Spanish near Clemmons

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 Clemmons

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

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

Cities

Other cities in Forsyth County

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

Everything about Forsyth County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Forsyth 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 Clemmons.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Clemmons

Short answers with the numbers for Clemmons and all of Forsyth 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 Clemmons?

The typical home value in Clemmons is $335,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Forsyth County it is $250,400.

How much does it cost to rent in Clemmons?

Typical rent in Clemmons is $1,269 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Forsyth County is $1,332.

What is the FHA loan limit in Clemmons?

Clemmons uses the FHA limit for all of Forsyth 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 Clemmons?

The typical homeowner in Clemmons pays $2,304 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Forsyth County, the rate is 0.79%.

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

There are 3 HUD-approved counseling agencies with an office in Forsyth County. 3 say they serve in Spanish. 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).