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City · 15,356 residents · Rockingham County, North Carolina

Eden , North Carolina

In Eden, a typical home is worth $120,700 and typical rent is $799 a month. Compared with all of Rockingham County, the typical home value is 28% lower, typical household income is 17% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $120,700

    28% below the county

    58% below North Carolina

    • Eden
    • Rockingham
    • North Carolina

  • Typical rent

    $799a month

    About the same as the county

    35% below North Carolina

    • Eden
    • Rockingham
    • North Carolina

  • Typical household income

    $47,260a year

    17% below the county

    35% below North Carolina

    • Eden
    • Rockingham
    • North Carolina

  • Households that own their home

    55%

    17 points below the county

    12 points below North Carolina

    • Eden
    • Rockingham
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$146,905
1.3% less than 12 months ago
Typical rent
$1,028 a month

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

Eden is in Rockingham 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 Rockingham County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Eden apart

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

  1. Eden has the 4th lowest typical home value of the 166 cities in North Carolina with more than 5,000 people ($120,700).

  2. 55% of households in Eden own their home, against 72% in Rockingham County.

  3. The typical household income in Eden is $47,260, 17% less than in Rockingham County as a whole ($57,053).

  4. Eden has the 14th lowest typical rent of the 154 cities in North Carolina with more than 5,000 people ($799).

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

The homes here

Housing in Eden

What homes there are in Eden, 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 are the majority in Eden (65%), but less so than in Rockingham County (72%).

Year built

In Eden, half of the homes were built before 1967; in Rockingham County, before 1978.

Homes in Eden are smaller: 50% have 3 bedrooms or more; in Rockingham County, 65%.

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 98% of owner-occupied homes in Eden are worth less than $500,000, below the FHA loan limit for Rockingham County ($541,287).

Monthly rent with utilities

By rent, most homes in Eden cost less than HUD's 2-bedroom fair market rent ($1,012): about 73%.

With a mortgage

$961 a month

Rockingham County: $1,214 a month

Without a mortgage

$452 a month

Rockingham County: $402 a month

Owners with a mortgage

56%

Rockingham County: 54%

Owning costs less in Eden: with a mortgage, the typical cost is $961 a month; in Rockingham County, $1,214. Without one, $452.

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 Eden gained value more slowly than in Rockingham County: 38% since 2015–2019, against 50%.

Rents in Eden rose at about the same pace as in Rockingham County: 20% since 2015–2019, against 21%.

To compare: typical income in Eden rose 35%; the home, +38%; the rent, +20%.

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

MeasureEdenRockingham CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate3.6%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate1.7%2.2%3.4%
People per household 2.362.302.442.53
Drive alone 81%80%72%69%
Carpool 13%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 4%7%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Eden look like those in Rockingham County: 2.36 people on average.

In Eden, 13% of workers share a car to get to work; in Rockingham County, 9%.

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 Eden?

A typical home is within reach of the typical income

We start with a typical home in Eden, worth $120,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Eden, which is $47,260 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Eden. 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 $4,225 (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

$1,006

at 7.18% · 30 years

Loan amount
$118,513
Total interest
$170,513
Paid off in
November 2056

Includes $2,038 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,103 a month

    Your payment · 26%

  • Tight

    $1,103 to $1,418 a month

  • Hard

    more than $1,418 a month

Compared with the typical household income in Eden ($47,260 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,006
Principal & interest$803
Property tax$100
Home insurance$50
FHA mortgage insurance (MIP)$53

You need at least $4,225 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

Eden and Rockingham County

Eden is in Rockingham 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).

Eden's own numbers

Typical home value
$120,700
Typical monthly rent
$799
Typical yearly household income
$47,260
Households that own their home
55%
Effective property tax rate
0.99%

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

Numbers for all of Rockingham 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)
+66%
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 Rockingham County.

Everything about Rockingham County

Buying

Buying a home in Eden

A typical home in Eden is worth $120,700: 28% below the county and 58% below North Carolina. With the typical household income in Eden ($47,260 a year), a typical home costs 2.6 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.

  • Eden 2.6 years
  • Rockingham 3.0 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Rockingham County

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

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

Period County North Carolina U.S.
Last year (2025) +6.5% +2.5% +2.9%
5 years (2020–2025) +66% +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

Eden next to Rockingham 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
  • Eden $120,700
  • Rockingham $168,600
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Eden $799
  • Rockingham $810
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Eden $47,260
  • Rockingham $57,053
  • North Carolina $72,388
  • United States $80,734
See the full table
Eden next to Rockingham County and North Carolina
Measure Eden Rockingham County North Carolina U.S.
Typical home value $120,700 $168,600 $288,900 $332,700
Typical monthly rent $799 $810 $1,228 $1,413
Typical yearly household income $47,260 $57,053 $72,388 $80,734
Households that own their home 55% 72% 67% 65%
Typical yearly property tax $1,195 $1,258 $1,896 $3,119
Effective property tax rate 0.99% 0.75% 0.66% 0.94%
Renters with high rent for their income 57% 51% 49% 51%

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

For a typical $120,700 home in Eden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eden's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,006a month

    Least cash to close
    Down payment
    $4,225
    Cash to close
    $7,846
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $53

  • Conventional, 5% down $984a month

    Down payment
    $6,035
    Cash to close
    $9,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $57

  • Conventional, 20% down, no PMI $804a month

    Down payment
    $24,140
    Cash to close
    $27,761
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $916a month

    Down payment
    $18,105
    Cash to close
    $21,726
    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 Eden and for Rockingham County.

Property tax

Effective rate in Eden

0.99%of the home’s value each year

$1,195 a year for the typical owner in Eden.

  • Eden 0.99%
  • Rockingham 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 Rockingham County

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

Homes in the high-risk zone
0.8%
398
Of those, with NFIP insurance
7.5%
County North Carolina U.S.
Homes in the high-risk zone 0.8% 2.8% 3.5%
Of those, with NFIP insurance 7.5% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Eden

Typical rent in Eden is $799 a month: about the same as the county. In Eden, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Rockingham 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 Rockingham 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 $705 $13.56 $28,200
1 bedroom $774 $14.88 $30,960
2 bedrooms $1,012 $19.46 $40,480
3 bedrooms $1,236 $23.77 $49,440
4 bedrooms $1,554 $29.88 $62,160

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 Eden

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eden is in ZIP code 27288.

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

  • 27288 $1,010$1,240

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

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

  • Brownstone Commons 1030 Georgia Ave, Eden 27288 104 low-income homes · 1 bd: 16 · 2 bd: 48 · 3 bd: 31 · 4 bd: 9 · In service since 2006 · For people with disabilities, families, people experiencing homelessness
  • Brownstone Commons 1026 Georgia Ave, Eden 27288 104 low-income homes · For families (336) 635-1835
  • Riverview Apartments 522 C St, Eden 27288 72 low-income homes · For families (336) 627-4096
  • Eden Elderly Housing DBA Hidden Valley Apts 230 E Harris Pl, Eden 27288 64 low-income homes · 1 bd: 54 · 2 bd: 10 · In service since 1992 · For older adults
  • Rhode Island Mill 536 Riverside Dr, Eden 27288 64 low-income homes · 1 bd: 24 · 2 bd: 24 · 3 bd: 16 · In service since 2001 · For families

See all 36 buildings in Rockingham County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Eden

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 Rockingham 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 Eden

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

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

  • Greensboro Housing Coalition

    1031 Summit Ave, Greensboro · 29 miles away

    • Budget and financial counseling
    • Homelessness services
    • and 2 more
    (336) 691-9521

  • Housing Consultants Group

    1031 Summit Ave, Greensboro · 29 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (336) 553-0946

  • Housing Authority of the City of Greensboro D/B/A Greensboro Housing Authority

    450 N Church St, Greensboro · 29 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (336) 303-3059

All counseling agencies in North Carolina

Help in Spanish near Eden

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 Eden

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

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

Cities

Other cities in Rockingham County

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

Everything about Rockingham County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Rockingham 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 Eden.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Eden

Short answers with the numbers for Eden and all of Rockingham 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 Eden?

The typical home value in Eden is $120,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rockingham County it is $168,600.

How much does it cost to rent in Eden?

Typical rent in Eden is $799 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rockingham County is $1,012.

What is the FHA loan limit in Eden?

Eden uses the FHA limit for all of Rockingham 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 Eden?

The typical homeowner in Eden pays $1,195 a year, according to the U.S. Census Bureau. That is 0.99% of the home’s value; in Rockingham County, the rate is 0.75%.

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

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