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City · 8,304 residents · Sampson County, North Carolina

Clinton , North Carolina

In Clinton, a typical home is worth $212,000 and typical rent is $759 a month. Compared with all of Sampson County, the typical home value is 41% higher, typical household income is 14% lower, and the share of households that own their home is 25 points lower.

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  • Typical home value

    $212,000

    41% above the county

    27% below North Carolina

    • Clinton
    • Sampson
    • North Carolina

  • Typical rent

    $759a month

    9% below the county

    38% below North Carolina

    • Clinton
    • Sampson
    • North Carolina

  • Typical household income

    $44,953a year

    14% below the county

    38% below North Carolina

    • Clinton
    • Sampson
    • North Carolina

  • Households that own their home

    49%

    25 points below the county

    18 points below North Carolina

    • Clinton
    • Sampson
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$156,375
1.8% more than 12 months ago

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

Clinton is in Sampson 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 Sampson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clinton apart

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

  1. 49% of households in Clinton own their home, against 74% in Sampson County.

  2. The typical home in Clinton is worth $212,000, 41% more than in Sampson County as a whole ($150,700).

  3. Clinton has the 8th lowest typical rent of the 154 cities in North Carolina with more than 5,000 people ($759).

  4. Clinton has the 11th smallest share of rent-burdened renters of the 136 cities in North Carolina with more than 5,000 people (38%).

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

The homes here

Housing in Clinton

What homes there are in Clinton, 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 68% of homes here, against 62% in Sampson County.

Year built

In Clinton, half of the homes were built before 1975; in Sampson County, before 1988.

In Clinton, 21% of homes have 1 bedroom or none (studios); 60% have 3 bedrooms or more, against 76% in Sampson 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

At least 94% of owner-occupied homes in Clinton are worth less than $500,000, below the FHA loan limit for Sampson County ($541,287).

Monthly rent with utilities

About 81% of rented homes in Clinton cost less than HUD's 2-bedroom fair market rent for Sampson County ($1,012).

With a mortgage

$1,313 a month

Sampson County: $1,241 a month

Without a mortgage

$509 a month

Sampson County: $454 a month

Owners with a mortgage

47%

Sampson County: 42%

In Clinton, 47% of owners have a mortgage, and their typical cost is $1,313 a month, against $1,241 in Sampson County. Without one it drops to $509.

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 Clinton gained value faster than in Sampson County: 73% against 69%.

Rents in Clinton rose more slowly than in Sampson County: 14% since 2015–2019, against 29%.

The typical household income in Clinton rose 39% over that time; home values changed +73% and rent +14%.

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

MeasureClintonSampson 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 6.2%4.3%2.2%3.4%
People per household 2.492.682.442.53
Drive alone 81%82%72%69%
Carpool 8%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate5%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Clinton: 6.2% have more than one person per room; in Sampson County, 4.3%.

Fewer people live in each home here: 2.49 on average, against 2.68 in Sampson County.

The car rules in Clinton: 81% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Clinton?

A typical home costs more than the typical income allows

We start with a typical home in Clinton, worth $212,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Clinton, which is $44,953 a year. For that payment to be 28% of income, a household would need to earn about $73,918 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Clinton. 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 $7,420 (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

$1,725

at 7.18% · 30 years

Loan amount
$208,160
Total interest
$299,494
Paid off in
November 2056

Includes $3,580 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,049 a month

  • Tight

    $1,049 to $1,349 a month

  • Hard

    more than $1,349 a month

    Your payment · 46%

Compared with the typical household income in Clinton ($44,953 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,725
Principal & interest$1,410
Property tax$133
Home insurance$88
FHA mortgage insurance (MIP)$94

You need at least $7,420 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

Clinton and Sampson County

Clinton is in Sampson 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).

Clinton's own numbers

Typical home value
$212,000
Typical monthly rent
$759
Typical yearly household income
$44,953
Households that own their home
49%
Effective property tax rate
0.75%

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

Numbers for all of Sampson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,012
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
0.8%

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 Sampson County.

Everything about Sampson County

Buying

Buying a home in Clinton

A typical home in Clinton is worth $212,000: 41% above the county and 27% below North Carolina. With the typical household income in Clinton ($44,953 a year), a typical home costs 4.7 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.

  • Clinton 4.7 years
  • Sampson 2.9 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sampson County

According to FHFA’s house price index, home prices in Sampson County rose 89% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +4.7% +2.5% +2.9%
5 years (2020–2025) +61% +60% +47%
10 years (2015–2025) +89% +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

Clinton next to Sampson 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
  • Clinton $212,000
  • Sampson $150,700
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Clinton $759
  • Sampson $834
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Clinton $44,953
  • Sampson $52,432
  • North Carolina $72,388
  • United States $80,734
See the full table
Clinton next to Sampson County and North Carolina
Measure Clinton Sampson County North Carolina U.S.
Typical home value $212,000 $150,700 $288,900 $332,700
Typical monthly rent $759 $834 $1,228 $1,413
Typical yearly household income $44,953 $52,432 $72,388 $80,734
Households that own their home 49% 74% 67% 65%
Typical yearly property tax $1,590 $1,130 $1,896 $3,119
Effective property tax rate 0.75% 0.75% 0.66% 0.94%
Renters with high rent for their income 38% 47% 49% 51%

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

For a typical $212,000 home in Clinton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clinton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,725a month

    Least cash to close
    Down payment
    $7,420
    Cash to close
    $13,780
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $94

  • Conventional, 5% down $1,686a month

    Down payment
    $10,600
    Cash to close
    $16,960
    Rate
    7.18%
    Mortgage insurance
    PMI · $101

  • Conventional, 20% down, no PMI $1,370a month

    Down payment
    $42,400
    Cash to close
    $48,760
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,566a month

    Down payment
    $31,800
    Cash to close
    $38,160
    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 Clinton and for Sampson County.

Property tax

Effective rate in Clinton

0.75%of the home’s value each year

$1,590 a year for the typical owner in Clinton.

  • Clinton 0.75%
  • Sampson 0.75%
  • 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 Sampson County

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

Homes in the high-risk zone
0.8%
221
Of those, with NFIP insurance
14%
County North Carolina U.S.
Homes in the high-risk zone 0.8% 2.8% 3.5%
Of those, with NFIP insurance 14% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clinton

Typical rent in Clinton is $759 a month: 9% below the county. In Clinton, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sampson County, by unit size. To pay the 2-bedroom one ($1,012 a month) without spending more than 30% of your income, you would need to earn $19.46 an hour working full time.

HUD fair market rent for all of Sampson 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 $761 $14.63 $30,440
1 bedroom $842 $16.19 $33,680
2 bedrooms $1,012 $19.46 $40,480
3 bedrooms $1,206 $23.19 $48,240
4 bedrooms $1,398 $26.88 $55,920

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 Clinton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clinton is in ZIP code 28328.

For 2 bedrooms it is $1,010: $2 less than the fair market rent for Sampson County ($1,012).

  • 28328 $1,010$1,210

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

HUD lists 11 buildings with rents for lower incomes in Clinton. These are the largest.

  • Dogwood Circle & Brantwood Court 101 Dogwood Cir, Clinton 28328 106 homes, 104 low-income · Run by Eastern Carolina Regional Housing Authority · Average payment: $373 a month · Average wait: 10 months · Homes at several sites (919) 735-0435
  • Harpers Glen Apartments 21 Harper St, Clinton 28328 72 low-income homes · 1 bd: 12 · 2 bd: 36 · 3 bd: 24 · In service since 2016 · For families
  • Sampson Homes & Eastover Terrace 531 McKoy St, Clinton 28328 70 low-income homes · Run by Eastern Carolina Regional Housing Authority · Average payment: $372 a month · Average wait: 29 months (919) 735-0435
  • Royal Lane Apartments 402 Royal Ln, Clinton 28328 60 low-income homes · For families (910) 592-6466
  • Clinton Courtyard 105 Royal Ln, Clinton 28328 41 low-income homes · For older adults (910) 592-1360

See all 13 buildings in Sampson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Clinton

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Clinton

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

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

  • North Carolina Community Housing and Consulting, Inc

    321 Dick St Ste 102, Fayetteville · 31 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (910) 849-0113

  • Kingdom Community Development Corporation

    129 N Main St, Spring Lake · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (910) 484-2722

  • City of Jacksonville

    815 New Bridge St, Jacksonville · 54 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 Clinton

1 of the 3 agencies on this list says it serves 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 Clinton

HUD lists no housing authority with an office in Sampson County. One in a neighboring county or the state’s may serve the area.

All housing agencies in North Carolina Source: HUD

Cities

Nearby cities

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

Everything about Sampson County Housing in North Carolina

Neighboring counties

If Sampson 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 Clinton.

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

Questions

Housing questions about Clinton

Short answers with the numbers for Clinton and all of Sampson 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 Clinton?

The typical home value in Clinton is $212,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sampson County it is $150,700.

How much does it cost to rent in Clinton?

Typical rent in Clinton is $759 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sampson County is $1,012.

What is the FHA loan limit in Clinton?

Clinton uses the FHA limit for all of Sampson 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 Clinton?

The typical homeowner in Clinton pays $1,590 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Sampson County, the rate is 0.75%.

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

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