Español

Este sitio también está en español. Leer en español

City · 210,815 residents · Cumberland County, North Carolina

Fayetteville , North Carolina

In Fayetteville, a typical home is worth $188,000 and typical rent is $1,250 a month. Compared with all of Cumberland County, the typical home value is 6% lower and the share of households that own their home is 8 points lower.

WhatsApp

  • Typical home value

    $188,000

    6% below the county

    35% below North Carolina

    • Fayetteville
    • Cumberland
    • North Carolina

  • Typical rent

    $1,250a month

    2% above the county

    About the same as North Carolina

    • Fayetteville
    • Cumberland
    • North Carolina

  • Typical household income

    $58,407a year

    5% below the county

    19% below North Carolina

    • Fayetteville
    • Cumberland
    • North Carolina

  • Households that own their home

    47%

    8 points below the county

    19 points below North Carolina

    • Fayetteville
    • Cumberland
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$221,511
about the same as 12 months ago
Typical rent
$1,362 a month
2.2% more than 12 months ago

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

Fayetteville is in Cumberland 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 Cumberland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fayetteville 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: 34% less than in Fayetteville ($188,000).

  2. 47% of households in Fayetteville own their home, against 55% in Cumberland County.

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

The homes here

Housing in Fayetteville

What homes there are in Fayetteville, 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 Fayetteville, 6 in 10 homes are single-family detached houses; in Cumberland County, 6.

Year built

Homes in Fayetteville are older: the typical year built is 1984; in Cumberland County, 1988.

In Fayetteville, 11% of homes have 1 bedroom or none (studios); 64% have 3 bedrooms or more, against 70% in Cumberland 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

About 96% of owner-occupied homes in Fayetteville are worth less than the FHA loan limit for Cumberland County ($541,287).

Monthly rent with utilities

By rent, most homes in Fayetteville cost less than HUD's 2-bedroom fair market rent ($1,476): about 70%.

With a mortgage

$1,462 a month

Cumberland County: $1,508 a month

Without a mortgage

$549 a month

Cumberland County: $519 a month

Owners with a mortgage

64%

Cumberland County: 66%

The typical cost for an owner with a mortgage in Fayetteville is $1,462 a month, near the figure in Cumberland County ($1,508).

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

From 2015–2019 to 2020–2024, the typical home value in Fayetteville rose 44%; in Cumberland County, it rose 47%.

The typical rent in Fayetteville rose 32% since 2015–2019, about the same as in Cumberland County (30%).

To compare: typical income in Fayetteville rose 30%; the home, +44%; the rent, +32%.

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

MeasureFayettevilleCumberland CountyNorth CarolinaUnited States
Rental vacancy 6.1%5.5%7.1%5.5%
Homeowner vacancy 1.6%1.1%1.3%0.9%
More than one person per room 3.0%2.6%2.2%3.4%
People per household 2.362.482.442.53
Drive alone 73%76%72%69%
Carpool 10%10%9%9%
Public transit 1%0%1%3%
Walk or bike 7%5%2%3%
Work from home 8%8%16%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Cumberland County, the rental vacancy rate in Fayetteville is 6.1%.

More than one person per room: that is how 3.0% of households in Fayetteville live, near the figure in Cumberland County (2.6%).

By size, households in Fayetteville look like those in Cumberland County: 2.36 people on average.

The car rules in Fayetteville: 73% 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 Fayetteville?

A typical home is tight for the typical income

We start with a typical home in Fayetteville, worth $188,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Fayetteville, which is $58,407 a year. For that payment to be 28% of income, a household would need to earn about $67,363 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fayetteville. 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 $6,580 (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

$1,572

at 7.18% · 30 years

Loan amount
$184,595
Total interest
$265,589
Paid off in
November 2056

Includes $3,175 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,363 a month

  • Tight

    $1,363 to $1,752 a month

    Your payment · 32%

  • Hard

    more than $1,752 a month

Compared with the typical household income in Fayetteville ($58,407 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,572
Principal & interest$1,251
Property tax$160
Home insurance$78
FHA mortgage insurance (MIP)$83

You need at least $6,580 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

Fayetteville and Cumberland County

Fayetteville is in Cumberland 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).

Fayetteville's own numbers

Typical home value
$188,000
Typical monthly rent
$1,250
Typical yearly household income
$58,407
Households that own their home
47%
Effective property tax rate
1.02%

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

Numbers for all of Cumberland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,476
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
0.9%

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 Cumberland County.

Everything about Cumberland County

Buying

Buying a home in Fayetteville

A typical home in Fayetteville is worth $188,000: 6% below the county and 35% below North Carolina. With the typical household income in Fayetteville ($58,407 a year), a typical home costs 3.2 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.

  • Fayetteville 3.2 years
  • Cumberland 3.3 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cumberland County

According to FHFA’s house price index, home prices in Cumberland County rose 87% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +4.0% +2.5% +2.9%
5 years (2020–2025) +67% +60% +47%
10 years (2015–2025) +87% +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

Fayetteville next to Cumberland 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
  • Fayetteville $188,000
  • Cumberland $199,200
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Fayetteville $1,250
  • Cumberland $1,222
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Fayetteville $58,407
  • Cumberland $61,291
  • North Carolina $72,388
  • United States $80,734
See the full table
Fayetteville next to Cumberland County and North Carolina
Measure Fayetteville Cumberland County North Carolina U.S.
Typical home value $188,000 $199,200 $288,900 $332,700
Typical monthly rent $1,250 $1,222 $1,228 $1,413
Typical yearly household income $58,407 $61,291 $72,388 $80,734
Households that own their home 47% 55% 67% 65%
Typical yearly property tax $1,915 $1,850 $1,896 $3,119
Effective property tax rate 1.02% 0.93% 0.66% 0.94%
Renters with high rent for their income 53% 52% 49% 51%

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

For a typical $188,000 home in Fayetteville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fayetteville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,572a month

    Least cash to close
    Down payment
    $6,580
    Cash to close
    $12,220
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $83

  • Conventional, 5% down $1,537a month

    Down payment
    $9,400
    Cash to close
    $15,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $89

  • Conventional, 20% down, no PMI $1,257a month

    Down payment
    $37,600
    Cash to close
    $43,240
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,431a month

    Down payment
    $28,200
    Cash to close
    $33,840
    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 Fayetteville and for Cumberland County.

Property tax

Effective rate in Fayetteville

1.02%of the home’s value each year

$1,915 a year for the typical owner in Fayetteville.

  • Fayetteville 1.02%
  • Cumberland 0.93%
  • 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 Cumberland County

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

Homes in the high-risk zone
0.9%
1,035
Of those, with NFIP insurance
33%
County North Carolina U.S.
Homes in the high-risk zone 0.9% 2.8% 3.5%
Of those, with NFIP insurance 33% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fayetteville

Typical rent in Fayetteville is $1,250 a month: 2% above the county. In Fayetteville, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cumberland County, by unit size. To pay the 2-bedroom one ($1,476 a month) without spending more than 30% of your income, you would need to earn $28.38 an hour working full time.

HUD fair market rent for all of Cumberland 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 $1,302 $25.04 $52,080
1 bedroom $1,334 $25.65 $53,360
2 bedrooms $1,476 $28.38 $59,040
3 bedrooms $1,937 $37.25 $77,480
4 bedrooms $2,380 $45.77 $95,200

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 Fayetteville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fayetteville has 7 ZIP codes with their own.

For 2 bedrooms it runs from $1,250 in 28301 to $1,760 in 28307.

4 of the 7 are above the fair market rent for Cumberland County ($1,476).

  • 28301 $1,250$1,640
  • 28303 $1,470$1,930
  • 28304 $1,710$2,250
  • 28305 $1,340$1,760
  • 28307 $1,760$2,310
  • 28310 $1,560$2,070
  • 28314 $1,630$2,140

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

HUD lists 63 buildings with rents for lower incomes in Fayetteville. These are the largest.

  • Grove View Terrace 88 Grove View Ter, Fayetteville 28301 272 low-income homes · For families (910) 483-6980
  • Holland Homes 3081 Enterprise Ave, Fayetteville 28306 218 low-income homes · Run by Fayetteville Metropolitan Housing Authority · Average payment: $304 a month · Average wait: 12 months (910) 483-3648
  • Melvin Place - Point Place 334 Point Pl, Fayetteville 28301 210 low-income homes · Run by Fayetteville Metropolitan Housing Authority · Average payment: $269 a month · Average wait: 11 months (910) 483-3648
  • Sycamore Park 604 Volunteer Dr, Fayetteville 28301 184 low-income homes · 2 bd: 121 · 3 bd: 63 · In service since 2011 · For families
  • Topeka Heights 2908 Dwelle Dr, Fayetteville 28306 150 low-income homes · For families (910) 424-6415

See all 76 buildings in Cumberland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fayetteville

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 2 HUD-approved agencies with an office in Cumberland County; 1 says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Fayetteville

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

The HUD-approved agencies closest to the center of Fayetteville, 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 · 6 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 · 6 miles away · Spanish

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

  • Sandhills Community Action Program, Inc.

    340 Commerce Ave Ste 20, Southern Pines · 26 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (910) 947-5675

Every agency in Cumberland County All counseling agencies in North Carolina

Help in Spanish near Fayetteville

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 Fayetteville

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

  • Fayetteville Metropolitan Housing Authority Public housing and Section 8 vouchers (910) 483-3648

All housing agencies in North Carolina Source: HUD

Cities

Other cities in Cumberland County

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

Everything about Cumberland County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Cumberland 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 Fayetteville.

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

Questions

Housing questions about Fayetteville

Short answers with the numbers for Fayetteville and all of Cumberland 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 Fayetteville?

The typical home value in Fayetteville is $188,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cumberland County it is $199,200.

How much does it cost to rent in Fayetteville?

Typical rent in Fayetteville is $1,250 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cumberland County is $1,476.

What is the FHA loan limit in Fayetteville?

Fayetteville uses the FHA limit for all of Cumberland 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 Fayetteville?

The typical homeowner in Fayetteville pays $1,915 a year, according to the U.S. Census Bureau. That is 1.02% of the home’s value; in Cumberland County, the rate is 0.93%.

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

There are 2 HUD-approved counseling agencies with an office in Cumberland County. 1 says it serves 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).