Español

Este sitio también está en español. Leer en español

City · 9,467 residents · Guilford County, North Carolina

Gibsonville , North Carolina

In Gibsonville, a typical home is worth $298,000 and typical rent is $1,034 a month. Compared with all of Guilford County, typical household income is 40% higher, the typical home value is 15% higher, and the share of households that own their home is 21 points higher.

WhatsApp

  • Typical home value

    $298,000

    15% above the county

    3% above North Carolina

    • Gibsonville
    • Guilford
    • North Carolina

  • Typical rent

    $1,034a month

    11% below the county

    16% below North Carolina

    • Gibsonville
    • Guilford
    • North Carolina

  • Typical household income

    $95,861a year

    40% above the county

    32% above North Carolina

    • Gibsonville
    • Guilford
    • North Carolina

  • Households that own their home

    81%

    21 points above the county

    15 points above North Carolina

    • Gibsonville
    • Guilford
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$301,445
0.9% more than 12 months ago
Typical rent
$1,882 a month

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

Gibsonville is in Guilford 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 Guilford County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gibsonville apart

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

  1. 81% of households in Gibsonville own their home, against 60% in Guilford County.

  2. The typical household income in Gibsonville is $95,861, 40% more than in Guilford County as a whole ($68,642).

  3. Nearby, in Burlington, the typical home value is $199,200: 33% less than in Gibsonville ($298,000).

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

The homes here

Housing in Gibsonville

What homes there are in Gibsonville, 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 Gibsonville, 9 in 10 homes are single-family detached houses; in Guilford County, 6.

Year built

The typical home in Gibsonville was built in 2004, 17 years after the typical one in Guilford 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
Monthly rent with utilities

With a mortgage

$1,712 a month

Guilford County: $1,536 a month

Without a mortgage

$623 a month

Guilford County: $515 a month

Owners with a mortgage

73%

Guilford County: 65%

Owning costs more in Gibsonville: with a mortgage, the typical cost is $1,712 a month; in Guilford County, $1,536. Without one, $623.

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

The typical home value in Gibsonville rose 71% since 2015–2019, more than in Guilford County (56%).

The typical rent in Gibsonville stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureGibsonvilleGuilford CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate6.2%7.1%5.5%
Homeowner vacancy Unreliable estimate1.0%1.3%0.9%
More than one person per room Unreliable estimate2.6%2.2%3.4%
People per household 2.522.382.442.53
Drive alone 80%73%72%69%
Carpool 12%8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%14%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Gibsonville has 2.52 people, more than in Guilford County (2.38).

More people carpool to work in Gibsonville than in Guilford County: 12% against 8%.

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 Gibsonville?

A typical home is tight for the typical income

We start with a typical home in Gibsonville, worth $298,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Gibsonville, which is $95,861 a year. For that payment to be 28% of income, a household would need to earn about $104,755 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gibsonville. 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 $10,430 (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

$2,444

at 7.18% · 30 years

Loan amount
$292,602
Total interest
$420,986
Paid off in
November 2056

Includes $5,032 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,237 a month

  • Tight

    $2,237 to $2,876 a month

    Your payment · 31%

  • Hard

    more than $2,876 a month

Compared with the typical household income in Gibsonville ($95,861 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,444
Principal & interest$1,982
Property tax$206
Home insurance$124
FHA mortgage insurance (MIP)$132

You need at least $10,430 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

Gibsonville and Guilford County

Gibsonville is in Guilford 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).

Gibsonville's own numbers

Typical home value
$298,000
Typical monthly rent
$1,034
Typical yearly household income
$95,861
Households that own their home
81%
Effective property tax rate
0.83%

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

Numbers for all of Guilford County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,271
Price change over 5 years (FHFA)
+61%
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 Guilford County.

Everything about Guilford County

Buying

Buying a home in Gibsonville

A typical home in Gibsonville is worth $298,000: 15% above the county and 3% above North Carolina. With the typical household income in Gibsonville ($95,861 a year), a typical home costs 3.1 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.

  • Gibsonville 3.1 years
  • Guilford 3.8 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Guilford County

According to FHFA’s house price index, home prices in Guilford County rose 98% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +3.2% +2.5% +2.9%
5 years (2020–2025) +61% +60% +47%
10 years (2015–2025) +98% +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

Gibsonville next to Guilford 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
  • Gibsonville $298,000
  • Guilford $259,900
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Gibsonville $1,034
  • Guilford $1,163
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Gibsonville $95,861
  • Guilford $68,642
  • North Carolina $72,388
  • United States $80,734
See the full table
Gibsonville next to Guilford County and North Carolina
Measure Gibsonville Guilford County North Carolina U.S.
Typical home value $298,000 $259,900 $288,900 $332,700
Typical monthly rent $1,034 $1,163 $1,228 $1,413
Typical yearly household income $95,861 $68,642 $72,388 $80,734
Households that own their home 81% 60% 67% 65%
Typical yearly property tax $2,481 $2,174 $1,896 $3,119
Effective property tax rate 0.83% 0.84% 0.66% 0.94%
Renters with high rent for their income 57% 52% 49% 51%

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

For a typical $298,000 home in Gibsonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gibsonville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,444a month

    Least cash to close
    Down payment
    $10,430
    Cash to close
    $19,370
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $132

  • Conventional, 5% down $2,390a month

    Down payment
    $14,900
    Cash to close
    $23,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $142

  • Conventional, 20% down, no PMI $1,945a month

    Down payment
    $59,600
    Cash to close
    $68,540
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,221a month

    Down payment
    $44,700
    Cash to close
    $53,640
    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 Gibsonville and for Guilford County.

Property tax

Effective rate in Gibsonville

0.83%of the home’s value each year

$2,481 a year for the typical owner in Gibsonville.

  • Gibsonville 0.83%
  • Guilford 0.84%
  • 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 Guilford County

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

Homes in the high-risk zone
0.5%
843
Of those, with NFIP insurance
40%
County North Carolina U.S.
Homes in the high-risk zone 0.5% 2.8% 3.5%
Of those, with NFIP insurance 40% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gibsonville

Typical rent in Gibsonville is $1,034 a month: 11% below the county. In Gibsonville, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Guilford County, by unit size. To pay the 2-bedroom one ($1,271 a month) without spending more than 30% of your income, you would need to earn $24.44 an hour working full time.

HUD fair market rent for all of Guilford 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 $1,121 $21.56 $44,840
1 bedroom $1,168 $22.46 $46,720
2 bedrooms $1,271 $24.44 $50,840
3 bedrooms $1,644 $31.62 $65,760
4 bedrooms $1,932 $37.15 $77,280

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 Gibsonville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gibsonville is in ZIP code 27249.

For 2 bedrooms it is $1,060: $211 less than the fair market rent for Guilford County ($1,271).

  • 27249 $1,060$1,350

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

HUD lists 2 buildings with rents for lower incomes in Gibsonville. These are the largest.

  • Gibsonville Village Apartments 400 W Steele St, Gibsonville 27249 20 low-income homes · For older adults (336) 449-6070
  • Guilford Greene Slade Street, Gibsonville 27249 16 low-income homes · 2 bd: 14 · 3 bd: 2 · In service since 1993 · For families

See all 132 buildings in Guilford County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gibsonville

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

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Gibsonville

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

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

  • CCCS of Greater Greensboro

    236 N. Mebane St., Burlington · 6 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (336) 373-8882

  • Greensboro Housing Coalition

    1031 Summit Ave, Greensboro · 13 miles away

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

  • Housing Consultants Group

    1031 Summit Ave, Greensboro · 13 miles away · Spanish

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

Every agency in Guilford County All counseling agencies in North Carolina

Help in Spanish near Gibsonville

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 Gibsonville

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

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

Cities

Other cities in Guilford County

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

Everything about Guilford County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Guilford 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 Gibsonville.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Gibsonville

Short answers with the numbers for Gibsonville and all of Guilford 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 Gibsonville?

The typical home value in Gibsonville is $298,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Guilford County it is $259,900.

How much does it cost to rent in Gibsonville?

Typical rent in Gibsonville is $1,034 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Guilford County is $1,271.

What is the FHA loan limit in Gibsonville?

Gibsonville uses the FHA limit for all of Guilford 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 Gibsonville?

The typical homeowner in Gibsonville pays $2,481 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Guilford County, the rate is 0.84%.

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

There are 7 HUD-approved counseling agencies with an office in Guilford 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).