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City · 18,048 residents · Alamance County, North Carolina

Graham , North Carolina

In Graham, a typical home is worth $233,800 and typical rent is $1,071 a month. Compared with all of Alamance County, typical household income is 14% lower and the share of households that own their home is 12 points lower.

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  • Typical home value

    $233,800

    3% below the county

    19% below North Carolina

    • Graham
    • Alamance
    • North Carolina

  • Typical rent

    $1,071a month

    About the same as the county

    13% below North Carolina

    • Graham
    • Alamance
    • North Carolina

  • Typical household income

    $56,239a year

    14% below the county

    22% below North Carolina

    • Graham
    • Alamance
    • North Carolina

  • Households that own their home

    53%

    12 points below the county

    13 points below North Carolina

    • Graham
    • Alamance
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$291,186
1% more than 12 months ago
Typical rent
$1,476 a month

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

Graham is in Alamance 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 Alamance County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Graham apart

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

  1. 53% of households in Graham own their home, against 65% in Alamance County.

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

The homes here

Housing in Graham

What homes there are in Graham, 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 Graham, 7 in 10 homes are single-family detached houses, about the same as in Alamance County.

Year built

By age, homes in Graham look like those in Alamance County: the typical year built is 1987.

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

The FHA limit for Alamance County is high ($541,287): at least 98% of owner-occupied homes in Graham are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,356 a month

Alamance County: $1,435 a month

Without a mortgage

$397 a month

Alamance County: $450 a month

Owners with a mortgage

64%

Alamance County: 61%

The typical cost for an owner with a mortgage in Graham is $1,356 a month, less than in Alamance County ($1,435); without one, $397.

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

Since 2015–2019, homes in Graham gained value faster than in Alamance County: 75% against 56%.

The typical rent in Graham rose 43% over the same time; in Alamance County, it rose 31%.

While home values in Graham changed +75% and rent +43%, the typical household income rose 55%.

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

MeasureGrahamAlamance CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate5.3%7.1%5.5%
Homeowner vacancy Unreliable estimate0.8%1.3%0.9%
More than one person per room Unreliable estimate2.0%2.2%3.4%
People per household 2.192.442.442.53
Drive alone 80%78%72%69%
Carpool 7%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 10%11%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.19 on average, against 2.44 in Alamance County.

In Graham, 80% of workers drive alone to work; in Alamance County, 78%.

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 Graham?

A typical home costs more than the typical income allows

We start with a typical home in Graham, worth $233,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Graham, which is $56,239 a year. For that payment to be 28% of income, a household would need to earn about $80,851 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Graham. 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 $8,183 (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

$1,886

at 7.18% · 30 years

Loan amount
$229,565
Total interest
$330,291
Paid off in
November 2056

Includes $3,948 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,312 a month

  • Tight

    $1,312 to $1,687 a month

  • Hard

    more than $1,687 a month

    Your payment · 40%

Compared with the typical household income in Graham ($56,239 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,886
Principal & interest$1,555
Property tax$131
Home insurance$97
FHA mortgage insurance (MIP)$103

You need at least $8,183 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

Graham and Alamance County

Graham is in Alamance 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).

Graham's own numbers

Typical home value
$233,800
Typical monthly rent
$1,071
Typical yearly household income
$56,239
Households that own their home
53%
Effective property tax rate
0.67%

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

Numbers for all of Alamance County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,348
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
0.6%

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 Alamance County.

Everything about Alamance County

Buying

Buying a home in Graham

A typical home in Graham is worth $233,800: 3% below the county and 19% below North Carolina. With the typical household income in Graham ($56,239 a year), a typical home costs 4.2 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.

  • Graham 4.2 years
  • Alamance 3.7 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Alamance County

According to FHFA’s house price index, home prices in Alamance County rose 105% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +1.3% +2.5% +2.9%
5 years (2020–2025) +65% +60% +47%
10 years (2015–2025) +105% +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

Graham next to Alamance 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
  • Graham $233,800
  • Alamance $241,500
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Graham $1,071
  • Alamance $1,064
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Graham $56,239
  • Alamance $65,651
  • North Carolina $72,388
  • United States $80,734
See the full table
Graham next to Alamance County and North Carolina
Measure Graham Alamance County North Carolina U.S.
Typical home value $233,800 $241,500 $288,900 $332,700
Typical monthly rent $1,071 $1,064 $1,228 $1,413
Typical yearly household income $56,239 $65,651 $72,388 $80,734
Households that own their home 53% 65% 67% 65%
Typical yearly property tax $1,570 $1,494 $1,896 $3,119
Effective property tax rate 0.67% 0.62% 0.66% 0.94%
Renters with high rent for their income 45% 47% 49% 51%

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

For a typical $233,800 home in Graham, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Graham's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,887a month

    Least cash to close
    Down payment
    $8,183
    Cash to close
    $15,197
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $103

  • Conventional, 5% down $1,844a month

    Down payment
    $11,690
    Cash to close
    $18,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $111

  • Conventional, 20% down, no PMI $1,495a month

    Down payment
    $46,760
    Cash to close
    $53,774
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,711a month

    Down payment
    $35,070
    Cash to close
    $42,084
    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 Graham and for Alamance County.

Property tax

Effective rate in Graham

0.67%of the home’s value each year

$1,570 a year for the typical owner in Graham.

  • Graham 0.67%
  • Alamance 0.62%
  • 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 Alamance County

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

Homes in the high-risk zone
0.6%
349
Of those, with NFIP insurance
53%
County North Carolina U.S.
Homes in the high-risk zone 0.6% 2.8% 3.5%
Of those, with NFIP insurance 53% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Graham

Typical rent in Graham is $1,071 a month: about the same as the county. In Graham, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Alamance County, by unit size. To pay the 2-bedroom one ($1,348 a month) without spending more than 30% of your income, you would need to earn $25.92 an hour working full time.

HUD fair market rent for all of Alamance 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 $1,076 $20.69 $43,040
1 bedroom $1,238 $23.81 $49,520
2 bedrooms $1,348 $25.92 $53,920
3 bedrooms $1,658 $31.88 $66,320
4 bedrooms $2,088 $40.15 $83,520

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 Graham

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Graham is in ZIP code 27253.

For 2 bedrooms it is $1,300: $48 less than the fair market rent for Alamance County ($1,348).

  • 27253 $1,300$1,600

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

HUD lists 11 buildings with rents for lower incomes in Graham. These are the largest.

  • Project Unnamed 311 Albright Ave, Graham 27253 170 low-income homes · Run by The Graham Housing Authority · Average payment: $357 a month · Average wait: 23 months · Homes at several sites (336) 229-7041
  • Oneida Mill Lofts 225 W Harden St, Graham 27253 133 low-income homes · 1 bd: 85 · 2 bd: 48 · In service since 2017 · For families
  • Ralph Clayton Homes 22 Cates Cir, Graham 27253 100 low-income homes · For older adults (336) 229-7041
  • Cannon Place 508 E Parker St, Graham 27253 74 low-income homes · 2 bd: 50 · 3 bd: 24 · In service since 1999 · For families
  • Graham Manor 230 Auto Park Dr, Graham 27253 56 low-income homes · 1 bd: 6 · 2 bd: 50 · In service since 2018 · For older adults

See all 46 buildings in Alamance County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Graham

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 is 1 HUD-approved agency with an office in Alamance County; none says it serves in Spanish.

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 Graham

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

The HUD-approved agencies closest to the center of Graham, 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 · 3 miles away

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

  • Centre for Home Ownership & Economic Development Corporation

    960 Corporate Dr Ste 405, Hillsborough · 17 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 12 more
    (919) 322-8118

  • Empowerment Incorporated

    109 N Graham St Ste 200, Chapel Hill · 21 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (919) 967-8779

Every agency in Alamance County All counseling agencies in North Carolina

Help in Spanish near Graham

None 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 Graham

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

  • The Graham Housing Authority Public housing and Section 8 vouchers (336) 229-7041

One other authority has an office in Alamance County: see the list Source: HUD

Cities

Other cities in Alamance County

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

Everything about Alamance County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Alamance 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 Graham.

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

Questions

Housing questions about Graham

Short answers with the numbers for Graham and all of Alamance 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 Graham?

The typical home value in Graham is $233,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Alamance County it is $241,500.

How much does it cost to rent in Graham?

Typical rent in Graham is $1,071 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Alamance County is $1,348.

What is the FHA loan limit in Graham?

Graham uses the FHA limit for all of Alamance 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 Graham?

The typical homeowner in Graham pays $1,570 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Alamance County, the rate is 0.62%.

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

There is 1 HUD-approved counseling agency with an office in Alamance County. 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).