Español

Este sitio también está en español. Leer en español

City · 34,383 residents · Wayne County, North Carolina

Goldsboro , North Carolina

In Goldsboro, a typical home is worth $200,400 and typical rent is $971 a month. Compared with all of Wayne County, typical household income is 19% lower, the typical home value is 12% higher, and the share of households that own their home is 25 points lower.

WhatsApp

  • Typical home value

    $200,400

    12% above the county

    31% below North Carolina

    • Goldsboro
    • Wayne
    • North Carolina

  • Typical rent

    $971a month

    About the same as the county

    21% below North Carolina

    • Goldsboro
    • Wayne
    • North Carolina

  • Typical household income

    $48,540a year

    19% below the county

    33% below North Carolina

    • Goldsboro
    • Wayne
    • North Carolina

  • Households that own their home

    36%

    25 points below the county

    30 points below North Carolina

    • Goldsboro
    • Wayne
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$189,872
about the same as 12 months ago
Typical rent
$1,503 a month
2.1% more than 12 months ago

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

Goldsboro is in Wayne 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 Wayne County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Goldsboro apart

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

  1. 36% of households in Goldsboro own their home, against 61% in Wayne County.

  2. Nearby, in Kinston, the typical home value is $119,300: 40% less than in Goldsboro ($200,400).

  3. Nearby, in Smithfield, the typical rent is $658: 32% less than in Goldsboro ($971).

  4. The typical household income in Goldsboro is $48,540, 19% less than in Wayne County as a whole ($59,733).

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

The homes here

Housing in Goldsboro

What homes there are in Goldsboro, 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 Goldsboro, 5 in 10 homes are single-family detached houses; in Wayne County, 6.

Year built

In Goldsboro, half of the homes were built before 1975; in Wayne County, before 1984.

There are fewer big homes in Goldsboro than in Wayne County: 54% have 3 bedrooms or more, against 72%.

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 Goldsboro sit below it: they are worth less than $500,000.

Monthly rent with utilities

About 70% of rented homes in Goldsboro cost less than HUD's 2-bedroom fair market rent for Wayne County ($1,261).

With a mortgage

$1,377 a month

Wayne County: $1,367 a month

Without a mortgage

$538 a month

Wayne County: $451 a month

Owners with a mortgage

56%

Wayne County: 56%

The typical cost for an owner with a mortgage in Goldsboro is $1,377 a month, near the figure in Wayne County ($1,367).

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 Goldsboro rose 57% since 2015–2019, more than in Wayne County (45%).

The typical rent in Goldsboro rose 23% since 2015–2019, about the same as in Wayne County (24%).

To compare: typical income in Goldsboro rose 42%; the home, +57%; the rent, +23%.

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

MeasureGoldsboroWayne CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate3.1%2.2%3.4%
People per household 2.132.442.442.53
Drive alone 80%81%72%69%
Carpool 11%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 2%1%2%3%
Work from home 5%5%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Goldsboro are smaller: 2.13 people on average; in Wayne County, 2.44.

The car rules in Goldsboro: 80% 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 Goldsboro?

A typical home costs more than the typical income allows

We start with a typical home in Goldsboro, worth $200,400, 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 Goldsboro, which is $48,540 a year. For that payment to be 28% of income, a household would need to earn about $71,233 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Goldsboro. 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 $7,014 (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

$1,662

at 7.18% · 30 years

Loan amount
$196,770
Total interest
$283,106
Paid off in
November 2056

Includes $3,384 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,133 a month

  • Tight

    $1,133 to $1,456 a month

  • Hard

    more than $1,456 a month

    Your payment · 41%

Compared with the typical household income in Goldsboro ($48,540 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,662
Principal & interest$1,333
Property tax$157
Home insurance$84
FHA mortgage insurance (MIP)$89

You need at least $7,014 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

Goldsboro and Wayne County

Goldsboro is in Wayne 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).

Goldsboro's own numbers

Typical home value
$200,400
Typical monthly rent
$971
Typical yearly household income
$48,540
Households that own their home
36%
Effective property tax rate
0.94%

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

Numbers for all of Wayne County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,261
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
4%

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 Wayne County.

Everything about Wayne County

Buying

Buying a home in Goldsboro

A typical home in Goldsboro is worth $200,400: 12% above the county and 31% below North Carolina. With the typical household income in Goldsboro ($48,540 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.

  • Goldsboro 4.1 years
  • Wayne 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 Wayne County

According to FHFA’s house price index, home prices in Wayne County rose 78% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +3.3% +2.5% +2.9%
5 years (2020–2025) +61% +60% +47%
10 years (2015–2025) +78% +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

Goldsboro next to Wayne 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
  • Goldsboro $200,400
  • Wayne $178,700
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Goldsboro $971
  • Wayne $965
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Goldsboro $48,540
  • Wayne $59,733
  • North Carolina $72,388
  • United States $80,734
See the full table
Goldsboro next to Wayne County and North Carolina
Measure Goldsboro Wayne County North Carolina U.S.
Typical home value $200,400 $178,700 $288,900 $332,700
Typical monthly rent $971 $965 $1,228 $1,413
Typical yearly household income $48,540 $59,733 $72,388 $80,734
Households that own their home 36% 61% 67% 65%
Typical yearly property tax $1,886 $1,249 $1,896 $3,119
Effective property tax rate 0.94% 0.7% 0.66% 0.94%
Renters with high rent for their income 49% 47% 49% 51%

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

For a typical $200,400 home in Goldsboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Goldsboro's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,662a month

    Least cash to close
    Down payment
    $7,014
    Cash to close
    $13,026
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $89

  • Conventional, 5% down $1,625a month

    Down payment
    $10,020
    Cash to close
    $16,032
    Rate
    7.18%
    Mortgage insurance
    PMI · $95

  • Conventional, 20% down, no PMI $1,327a month

    Down payment
    $40,080
    Cash to close
    $46,092
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,512a month

    Down payment
    $30,060
    Cash to close
    $36,072
    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 Goldsboro and for Wayne County.

Property tax

Effective rate in Goldsboro

0.94%of the home’s value each year

$1,886 a year for the typical owner in Goldsboro.

  • Goldsboro 0.94%
  • Wayne 0.7%
  • 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 Wayne County

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

Homes in the high-risk zone
4%
2,676
Of those, with NFIP insurance
16%
County North Carolina U.S.
Homes in the high-risk zone 4% 2.8% 3.5%
Of those, with NFIP insurance 16% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Goldsboro

Typical rent in Goldsboro is $971 a month: about the same as the county. In Goldsboro, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Wayne County, by unit size. To pay the 2-bedroom one ($1,261 a month) without spending more than 30% of your income, you would need to earn $24.25 an hour working full time.

HUD fair market rent for all of Wayne 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 $958 $18.42 $38,320
1 bedroom $964 $18.54 $38,560
2 bedrooms $1,261 $24.25 $50,440
3 bedrooms $1,516 $29.15 $60,640
4 bedrooms $2,001 $38.48 $80,040

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 Goldsboro

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Goldsboro has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,150 in 27530 to $1,460 in 27534.

2 of the 4 are above the fair market rent for Wayne County ($1,261).

  • 27530 $1,150$1,380
  • 27531 $1,330$1,600
  • 27533 $1,150$1,380
  • 27534 $1,460$1,750

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

HUD lists 27 buildings with rents for lower incomes in Goldsboro. These are the largest.

  • Lincoln Apartments 509 E Chestnut St, Goldsboro 27530 344 low-income homes · Run by Housing Authority of the City of Goldsboro · Average payment: $312 a month · Average wait: 69 months (919) 735-4226
  • Fairview Apartments 1717A Maple St, Goldsboro 27530 305 low-income homes · Run by Housing Authority of the City of Goldsboro · Average payment: $323 a month (919) 735-4226
  • West Haven Apartments 307 N Alabama Ave, Goldsboro 27530 272 low-income homes · Run by Housing Authority of the City of Goldsboro · Average payment: $299 a month (919) 735-4226
  • Woodcrest-Elmwood-Little Washington 717 Bain St, Goldsboro 27530 266 low-income homes · Run by Housing Authority of the City of Goldsboro · Average payment: $377 a month (919) 735-4226
  • Grand at Day Point (The) 2300 Day Cir, Goldsboro 27530 160 low-income homes · For families (919) 736-3655

See all 34 buildings in Wayne County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Goldsboro

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Goldsboro

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

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

  • Wilson Community Improvement Association, Inc.

    504 Green St E, Wilson · 24 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    252-243-4855x214

  • Housing Authority of the City of Rocky Mount, NC

    901 Authority Dr, Rocky Mount · 41 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (252) 977-3141

  • Dhic, Inc.

    113 S Wilmington St, Raleigh · 47 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 Goldsboro

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 Goldsboro

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

  • Housing Authority of the City of Goldsboro Public housing and Section 8 vouchers (919) 735-4226

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

Cities

Nearby cities

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

Everything about Wayne County Housing in North Carolina

Neighboring counties

If Wayne 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 Goldsboro.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Goldsboro

Short answers with the numbers for Goldsboro and all of Wayne 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 Goldsboro?

The typical home value in Goldsboro is $200,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wayne County it is $178,700.

How much does it cost to rent in Goldsboro?

Typical rent in Goldsboro is $971 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wayne County is $1,261.

What is the FHA loan limit in Goldsboro?

Goldsboro uses the FHA limit for all of Wayne 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 Goldsboro?

The typical homeowner in Goldsboro pays $1,886 a year, according to the U.S. Census Bureau. That is 0.94% of the home’s value; in Wayne County, the rate is 0.7%.

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

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