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City · 34,473 residents · Wake County, North Carolina

Garner , North Carolina

In Garner, a typical home is worth $355,000 and typical rent is $1,549 a month. Compared with all of Wake County, typical household income is 26% lower and the typical home value is 23% lower.

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  • Typical home value

    $355,000

    23% below the county

    23% above North Carolina

    • Garner
    • Wake
    • North Carolina

  • Typical rent

    $1,549a month

    5% below the county

    26% above North Carolina

    • Garner
    • Wake
    • North Carolina

  • Typical household income

    $78,756a year

    26% below the county

    9% above North Carolina

    • Garner
    • Wake
    • North Carolina

  • Households that own their home

    63%

    1 points below the county

    3 points below North Carolina

    • Garner
    • Wake
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$377,966
1.8% less than 12 months ago
Typical rent
$1,853 a month
0.8% more than 12 months ago

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

Garner is in Wake 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 Wake County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Garner apart

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

  1. The typical household income in Garner is $78,756, 26% less than in Wake County as a whole ($105,768).

  2. The typical home in Garner is worth $355,000, 23% less than in Wake County as a whole ($461,300).

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

The homes here

Housing in Garner

What homes there are in Garner, 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 65% of homes here, against 58% in Wake County.

Year built

The typical year built in Garner is 2001, about the same as in Wake County (2000).

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
Monthly rent with utilities

With a mortgage

$1,802 a month

Wake County: $2,113 a month

Without a mortgage

$615 a month

Wake County: $672 a month

Owners with a mortgage

75%

Wake County: 74%

Owning costs less in Garner: with a mortgage, the typical cost is $1,802 a month; in Wake County, $2,113. Without one, $615.

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 Garner rose 87%; in Wake County, it rose 64%.

The typical rent in Garner rose 38% since 2015–2019, about the same as in Wake County (41%).

Housing prices ran ahead of income in Garner: typical income rose 21%, against +87% for home values and +38% for rent.

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

MeasureGarnerWake CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate8.9%7.1%5.5%
Homeowner vacancy Unreliable estimate0.6%1.3%0.9%
More than one person per room Unreliable estimate1.9%2.2%3.4%
People per household 2.462.512.442.53
Drive alone 66%61%72%69%
Carpool 8%6%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 24%29%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Garner look like those in Wake County: 2.46 people on average.

In Garner, 66% of workers drive alone to work; in Wake County, 61%.

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 Garner?

A typical home costs more than the typical income allows

We start with a typical home in Garner, worth $355,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Garner, which is $78,756 a year. For that payment to be 28% of income, a household would need to earn about $123,777 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Garner. 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 $12,425 (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

$2,888

at 7.18% · 30 years

Loan amount
$348,570
Total interest
$501,511
Paid off in
November 2056

Includes $5,995 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,838 a month

  • Tight

    $1,838 to $2,363 a month

  • Hard

    more than $2,363 a month

    Your payment · 44%

Compared with the typical household income in Garner ($78,756 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,888
Principal & interest$2,361
Property tax$222
Home insurance$148
FHA mortgage insurance (MIP)$157

You need at least $12,425 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

Garner and Wake County

Garner is in Wake 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).

Garner's own numbers

Typical home value
$355,000
Typical monthly rent
$1,549
Typical yearly household income
$78,756
Households that own their home
63%
Effective property tax rate
0.75%

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

Numbers for all of Wake County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,689
Price change over 5 years (FHFA)
+57%
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 Wake County.

Everything about Wake County

Buying

Buying a home in Garner

A typical home in Garner is worth $355,000: 23% below the county and 23% above North Carolina. With the typical household income in Garner ($78,756 a year), a typical home costs 4.5 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.

  • Garner 4.5 years
  • Wake 4.4 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Wake County

According to FHFA’s house price index, home prices in Wake County rose 107% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +1.0% +2.5% +2.9%
5 years (2020–2025) +57% +60% +47%
10 years (2015–2025) +107% +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

Garner next to Wake 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
  • Garner $355,000
  • Wake $461,300
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Garner $1,549
  • Wake $1,623
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Garner $78,756
  • Wake $105,768
  • North Carolina $72,388
  • United States $80,734
See the full table
Garner next to Wake County and North Carolina
Measure Garner Wake County North Carolina U.S.
Typical home value $355,000 $461,300 $288,900 $332,700
Typical monthly rent $1,549 $1,623 $1,228 $1,413
Typical yearly household income $78,756 $105,768 $72,388 $80,734
Households that own their home 63% 64% 67% 65%
Typical yearly property tax $2,673 $3,260 $1,896 $3,119
Effective property tax rate 0.75% 0.71% 0.66% 0.94%
Renters with high rent for their income 53% 48% 49% 51%

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

For a typical $355,000 home in Garner, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garner's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,888a month

    Least cash to close
    Down payment
    $12,425
    Cash to close
    $23,075
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $157

  • Conventional, 5% down $2,823a month

    Down payment
    $17,750
    Cash to close
    $28,400
    Rate
    7.18%
    Mortgage insurance
    PMI · $169

  • Conventional, 20% down, no PMI $2,294a month

    Down payment
    $71,000
    Cash to close
    $81,650
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,622a month

    Down payment
    $53,250
    Cash to close
    $63,900
    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 Garner and for Wake County.

Property tax

Effective rate in Garner

0.75%of the home’s value each year

$2,673 a year for the typical owner in Garner.

  • Garner 0.75%
  • Wake 0.71%
  • 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 Wake County

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

Homes in the high-risk zone
0.5%
1,680
Of those, with NFIP insurance
46%
County North Carolina U.S.
Homes in the high-risk zone 0.5% 2.8% 3.5%
Of those, with NFIP insurance 46% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Garner

Typical rent in Garner is $1,549 a month: 5% below the county. In Garner, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Wake County, by unit size. To pay the 2-bedroom one ($1,689 a month) without spending more than 30% of your income, you would need to earn $32.48 an hour working full time.

HUD fair market rent for all of Wake 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 $1,489 $28.63 $59,560
1 bedroom $1,552 $29.85 $62,080
2 bedrooms $1,689 $32.48 $67,560
3 bedrooms $2,103 $40.44 $84,120
4 bedrooms $2,823 $54.29 $112,920

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 Garner

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

For 2 bedrooms it runs from $1,580 in 27529 to $1,600 in 27603.

None is above the fair market rent for Wake County ($1,689).

  • 27529 $1,580$1,970
  • 27603 $1,600$1,990

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

HUD lists 10 buildings with rents for lower incomes in Garner. These are the largest.

  • Pennington Grove 1000 Pennington Grove Way, Garner 27529 83 low-income homes · 1 bd: 65 · 2 bd: 18 · In service since 2017 · For older adults
  • Wake Co Ha 821 Delta St, Garner 27529 84 homes, 82 low-income · Run by Housing Authority of the County of Wake · Average payment: $359 a month · Average wait: 44 months · Homes at several sites (919) 269-6404
  • Pennington Grove II 180 Southerby Bluffs Court Tbka 2000 Pennington Grove Way, Garner 27529 69 low-income homes · In service since 2021 · For older adults
  • Timber Spring 125 Timber Dr E, Garner 27529 48 low-income homes · 1 bd: 24 · 2 bd: 24 · In service since 2014 · For older adults
  • Weston Trace 204 Westcroft Dr, Garner 27529 48 low-income homes · 2 bd: 36 · 3 bd: 12 · In service since 1997 · For families

See all 195 buildings in Wake County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Garner

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 9 HUD-approved agencies with an office in Wake County; 7 say they serve in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Garner

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

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

  • Dhic, Inc.

    113 S Wilmington St, Raleigh · 6 miles away · Spanish

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

  • Cccs, A Division of Triangle Family Services, Inc.

    3937 Western Blvd, Raleigh · 8 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 17 more languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (919) 821-0790

  • Navicore Solutions- Raleigh, NC

    4917 Waters Edge Dr, Raleigh · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (866) 472-4557

Every agency in Wake County All counseling agencies in North Carolina

Help in Spanish near Garner

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 Garner

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

  • Housing Authority of the County of Wake Public housing and Section 8 vouchers (919) 269-6404

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

Cities

Other cities in Wake County

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

Everything about Wake County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Wake 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 Garner.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Garner

Short answers with the numbers for Garner and all of Wake 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 Garner?

The typical home value in Garner is $355,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wake County it is $461,300.

How much does it cost to rent in Garner?

Typical rent in Garner is $1,549 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wake County is $1,689.

What is the FHA loan limit in Garner?

Garner uses the FHA limit for all of Wake 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 Garner?

The typical homeowner in Garner pays $2,673 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Wake County, the rate is 0.71%.

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

There are 9 HUD-approved counseling agencies with an office in Wake County. 7 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).