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City · 8,559 residents · Harnett County, North Carolina

Dunn , North Carolina

In Dunn, a typical home is worth $193,900 and typical rent is $788 a month. Compared with all of Harnett County, typical household income is 34% lower, typical rent is 29% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $193,900

    21% below the county

    33% below North Carolina

    • Dunn
    • Harnett
    • North Carolina

  • Typical rent

    $788a month

    29% below the county

    36% below North Carolina

    • Dunn
    • Harnett
    • North Carolina

  • Typical household income

    $46,830a year

    34% below the county

    35% below North Carolina

    • Dunn
    • Harnett
    • North Carolina

  • Households that own their home

    54%

    17 points below the county

    13 points below North Carolina

    • Dunn
    • Harnett
    • North Carolina

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

Dunn is in Harnett 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 Harnett County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dunn apart

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

  1. Nearby, in Spring Lake, the typical home value is $124,000: 36% less than in Dunn ($193,900).

  2. 54% of households in Dunn own their home, against 71% in Harnett County.

  3. The typical household income in Dunn is $46,830, 34% less than in Harnett County as a whole ($71,287).

  4. The typical rent in Dunn is $788 a month, 29% less than in Harnett County as a whole ($1,112).

  5. Nearby, in Smithfield, the typical rent is $658: 16% less than in Dunn ($788).

  6. The typical home in Dunn is worth $193,900, 21% less than in Harnett County as a whole ($246,200).

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

The homes here

Housing in Dunn

What homes there are in Dunn, 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 Dunn, 7 in 10 homes are single-family detached houses; in Harnett County, 7.

Year built

In Dunn, half of the homes were built before 1973; in Harnett County, before 1997.

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

With an FHA limit of $541,287, at least 97% of owner-occupied homes in Dunn sit below it: they are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Harnett County is $1,051; about 75% of rents in Dunn are below it.

With a mortgage

$1,507 a month

Harnett County: $1,594 a month

Without a mortgage

$546 a month

Harnett County: $462 a month

Owners with a mortgage

55%

Harnett County: 65%

In Dunn, 55% of owners have a mortgage, and their typical cost is $1,507 a month, against $1,594 in Harnett County. Without one it drops to $546.

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 Dunn gained value more slowly than in Harnett County: 48% since 2015–2019, against 60%.

Rent in Dunn moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureDunnHarnett CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate7.2%7.1%5.5%
Homeowner vacancy Unreliable estimate0.9%1.3%0.9%
More than one person per room Unreliable estimate2.3%2.2%3.4%
People per household 2.242.732.442.53
Drive alone 74%79%72%69%
Carpool 15%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 8%9%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.24 on average, against 2.73 in Harnett County.

More people carpool to work in Dunn than in Harnett County: 15% against 10%.

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 Dunn?

A typical home costs more than the typical income allows

We start with a typical home in Dunn, worth $193,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Dunn, which is $46,830 a year. For that payment to be 28% of income, a household would need to earn about $68,992 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dunn. 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 $6,787 (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

$1,610

at 7.18% · 30 years

Loan amount
$190,387
Total interest
$273,923
Paid off in
November 2056

Includes $3,274 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,093 a month

  • Tight

    $1,093 to $1,405 a month

  • Hard

    more than $1,405 a month

    Your payment · 41%

Compared with the typical household income in Dunn ($46,830 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,610
Principal & interest$1,290
Property tax$154
Home insurance$81
FHA mortgage insurance (MIP)$86

You need at least $6,787 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

Dunn and Harnett County

Dunn is in Harnett 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).

Dunn's own numbers

Typical home value
$193,900
Typical monthly rent
$788
Typical yearly household income
$46,830
Households that own their home
54%
Effective property tax rate
0.95%

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

Numbers for all of Harnett County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,051
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.5%

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 Harnett County.

Everything about Harnett County

Buying

Buying a home in Dunn

A typical home in Dunn is worth $193,900: 21% below the county and 33% below North Carolina. With the typical household income in Dunn ($46,830 a year), a typical home costs 4.1 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.

  • Dunn 4.1 years
  • Harnett 3.5 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harnett County

According to FHFA’s house price index, home prices in Harnett County rose 97% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +4.4% +2.5% +2.9%
5 years (2020–2025) +59% +60% +47%
10 years (2015–2025) +97% +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

Dunn next to Harnett 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
  • Dunn $193,900
  • Harnett $246,200
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Dunn $788
  • Harnett $1,112
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Dunn $46,830
  • Harnett $71,287
  • North Carolina $72,388
  • United States $80,734
See the full table
Dunn next to Harnett County and North Carolina
Measure Dunn Harnett County North Carolina U.S.
Typical home value $193,900 $246,200 $288,900 $332,700
Typical monthly rent $788 $1,112 $1,228 $1,413
Typical yearly household income $46,830 $71,287 $72,388 $80,734
Households that own their home 54% 71% 67% 65%
Typical yearly property tax $1,835 $1,689 $1,896 $3,119
Effective property tax rate 0.95% 0.69% 0.66% 0.94%
Renters with high rent for their income 40% 45% 49% 51%

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

For a typical $193,900 home in Dunn, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dunn's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,610a month

    Least cash to close
    Down payment
    $6,787
    Cash to close
    $12,604
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $86

  • Conventional, 5% down $1,574a month

    Down payment
    $9,695
    Cash to close
    $15,512
    Rate
    7.18%
    Mortgage insurance
    PMI · $92

  • Conventional, 20% down, no PMI $1,285a month

    Down payment
    $38,780
    Cash to close
    $44,597
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,464a month

    Down payment
    $29,085
    Cash to close
    $34,902
    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 Dunn and for Harnett County.

Property tax

Effective rate in Dunn

0.95%of the home’s value each year

$1,835 a year for the typical owner in Dunn.

  • Dunn 0.95%
  • Harnett 0.69%
  • 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 Harnett County

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

Homes in the high-risk zone
0.5%
224
Of those, with NFIP insurance
49%
County North Carolina U.S.
Homes in the high-risk zone 0.5% 2.8% 3.5%
Of those, with NFIP insurance 49% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dunn

Typical rent in Dunn is $788 a month: 29% below the county. In Dunn, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harnett County, by unit size. To pay the 2-bedroom one ($1,051 a month) without spending more than 30% of your income, you would need to earn $20.21 an hour working full time.

HUD fair market rent for all of Harnett 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 $891 $17.13 $35,640
1 bedroom $896 $17.23 $35,840
2 bedrooms $1,051 $20.21 $42,040
3 bedrooms $1,455 $27.98 $58,200
4 bedrooms $1,757 $33.79 $70,280

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 Dunn

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dunn is in ZIP code 28334.

For 2 bedrooms it is $1,220: $169 more than the fair market rent for Harnett County ($1,051).

  • 28334 $1,220$1,500

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

HUD lists 14 buildings with rents for lower incomes in Dunn. These are the largest.

  • Project Unnamed 611 S Powell Ave, Dunn 28334 143 low-income homes · Run by Dunn Housing Authority · Average payment: $413 a month · Average wait: 25 months · Homes at several sites (910) 892-5076
  • Pinewood Apartments 400 Ponderosa Dr, Dunn 28334 60 low-income homes · For families (910) 892-1458
  • Dunn Village Apartments 100 Sawyers Cir, Dunn 28334 50 low-income homes · For families (910) 892-1143
  • Amity Place 810 Susan Tart Rd, Dunn 28334 48 low-income homes · 1 bd: 16 · 2 bd: 32 · In service since 2011 · For families
  • Ashbrooke Apartments 1000 E Pope St, Dunn 28334 52 homes, 47 low-income · For families (910) 892-0461

See all 28 buildings in Harnett County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dunn

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Dunn

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

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

  • Kingdom Community Development Corporation

    129 N Main St, Spring Lake · 23 miles away · Spanish

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

  • North Carolina Community Housing and Consulting, Inc

    321 Dick St Ste 102, Fayetteville · 24 miles away

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

  • Dhic, Inc.

    113 S Wilmington St, Raleigh · 32 miles away · Spanish

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

All counseling agencies in North Carolina

Help in Spanish near Dunn

2 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 Dunn

HUD’s record names them for Dunn or Harnett 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 Harnett County

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

Everything about Harnett County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Harnett 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 Dunn.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Dunn

Short answers with the numbers for Dunn and all of Harnett 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 Dunn?

The typical home value in Dunn is $193,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harnett County it is $246,200.

How much does it cost to rent in Dunn?

Typical rent in Dunn is $788 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harnett County is $1,051.

What is the FHA loan limit in Dunn?

Dunn uses the FHA limit for all of Harnett 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 Dunn?

The typical homeowner in Dunn pays $1,835 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Harnett County, the rate is 0.69%.

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

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