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City · 19,633 residents · Cabarrus County, North Carolina

Harrisburg , North Carolina

In Harrisburg, a typical home is worth $478,000 and typical rent is $2,640 a month. Compared with all of Cabarrus County, typical rent is 87% higher, typical household income is 67% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $478,000

    35% above the county

    65% above North Carolina

    • Harrisburg
    • Cabarrus
    • North Carolina

  • Typical rent

    $2,640a month

    87% above the county

    115% above North Carolina

    • Harrisburg
    • Cabarrus
    • North Carolina

  • Typical household income

    $148,254a year

    67% above the county

    105% above North Carolina

    • Harrisburg
    • Cabarrus
    • North Carolina

  • Households that own their home

    92%

    20 points above the county

    25 points above North Carolina

    • Harrisburg
    • Cabarrus
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$492,123
0.6% less than 12 months ago
Typical rent
$2,520 a month
about the same as 12 months ago

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

Harrisburg is in Cabarrus 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 Cabarrus County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Harrisburg apart

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

  1. The typical rent in Harrisburg is $2,640 a month, 87% more than in Cabarrus County as a whole ($1,414).

  2. The typical household income in Harrisburg is $148,254, 67% more than in Cabarrus County as a whole ($89,005).

  3. Nearby, in Kannapolis, the typical rent is $1,319: 50% less than in Harrisburg ($2,640).

  4. 92% of households in Harrisburg own their home, against 71% in Cabarrus County.

  5. Nearby, in Kannapolis, the typical home value is $276,400: 42% less than in Harrisburg ($478,000).

  6. The typical home in Harrisburg is worth $478,000, 35% more than in Cabarrus County as a whole ($354,800).

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

The homes here

Housing in Harrisburg

What homes there are in Harrisburg, 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 Harrisburg, 9 in 10 homes are single-family detached houses; in Cabarrus County, 8.

Year built

Here half of the homes date from 2006 or later; in Cabarrus County, from 1997 or later.

There is more room for a big family here: 92% of homes have 3 bedrooms or more, against 72% in Cabarrus 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

$2,216 a month

Cabarrus County: $1,806 a month

Without a mortgage

$562 a month

Cabarrus County: $518 a month

Owners with a mortgage

79%

Cabarrus County: 71%

The typical cost for an owner with a mortgage in Harrisburg is $2,216 a month, more than in Cabarrus County ($1,806); without one, $562.

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 Harrisburg rose 66%; in Cabarrus County, it rose 75%.

The typical rent in Harrisburg rose 62% over the same time; in Cabarrus County, it rose 53%.

Housing prices ran ahead of income in Harrisburg: typical income rose 36%, against +66% for home values and +62% 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

MeasureHarrisburgCabarrus CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate7.8%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate3.2%2.2%3.4%
People per household 3.182.782.442.53
Drive alone 64%72%72%69%
Carpool 5%8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 26%17%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.18 on average, against 2.78 in Cabarrus County.

Working from home is more common in Harrisburg: 26%, against 17% in Cabarrus County.

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 Harrisburg?

A typical home is tight for the typical income

We start with a typical home in Harrisburg, worth $478,000, 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 Harrisburg, which is $148,254 a year. For that payment to be 28% of income, a household would need to earn about $165,981 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Harrisburg. 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 $16,730 (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

$3,873

at 7.18% · 30 years

Loan amount
$469,342
Total interest
$675,273
Paid off in
November 2056

Includes $8,072 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,459 a month

  • Tight

    $3,459 to $4,448 a month

    Your payment · 31%

  • Hard

    more than $4,448 a month

Compared with the typical household income in Harrisburg ($148,254 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,873
Principal & interest$3,179
Property tax$283
Home insurance$199
FHA mortgage insurance (MIP)$211

You need at least $16,730 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

Harrisburg and Cabarrus County

Harrisburg is in Cabarrus 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).

Harrisburg's own numbers

Typical home value
$478,000
Typical monthly rent
$2,640
Typical yearly household income
$148,254
Households that own their home
92%
Effective property tax rate
0.71%

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

Numbers for all of Cabarrus County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,785
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.4%

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 Cabarrus County.

Everything about Cabarrus County

Buying

Buying a home in Harrisburg

A typical home in Harrisburg is worth $478,000: 35% above the county and 65% above North Carolina. With the typical household income in Harrisburg ($148,254 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.

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

How prices have changed in Cabarrus County

According to FHFA’s house price index, home prices in Cabarrus County rose 122% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +2.1% +2.5% +2.9%
5 years (2020–2025) +62% +60% +47%
10 years (2015–2025) +122% +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

Harrisburg next to Cabarrus 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
  • Harrisburg $478,000
  • Cabarrus $354,800
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Harrisburg $2,640
  • Cabarrus $1,414
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Harrisburg $148,254
  • Cabarrus $89,005
  • North Carolina $72,388
  • United States $80,734
See the full table
Harrisburg next to Cabarrus County and North Carolina
Measure Harrisburg Cabarrus County North Carolina U.S.
Typical home value $478,000 $354,800 $288,900 $332,700
Typical monthly rent $2,640 $1,414 $1,228 $1,413
Typical yearly household income $148,254 $89,005 $72,388 $80,734
Households that own their home 92% 71% 67% 65%
Typical yearly property tax $3,391 $2,586 $1,896 $3,119
Effective property tax rate 0.71% 0.73% 0.66% 0.94%

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

For a typical $478,000 home in Harrisburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harrisburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,873a month

    Least cash to close
    Down payment
    $16,730
    Cash to close
    $31,070
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $211

  • Conventional, 5% down $3,785a month

    Down payment
    $23,900
    Cash to close
    $38,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $227

  • Conventional, 20% down, no PMI $3,072a month

    Down payment
    $95,600
    Cash to close
    $109,940
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,514a month

    Down payment
    $71,700
    Cash to close
    $86,040
    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 Harrisburg and for Cabarrus County.

Property tax

Effective rate in Harrisburg

0.71%of the home’s value each year

$3,391 a year for the typical owner in Harrisburg.

  • Harrisburg 0.71%
  • Cabarrus 0.73%
  • 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 Cabarrus County

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

Homes in the high-risk zone
1.4%
1,202
Of those, with NFIP insurance
20%
County North Carolina U.S.
Homes in the high-risk zone 1.4% 2.8% 3.5%
Of those, with NFIP insurance 20% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Harrisburg

Typical rent in Harrisburg is $2,640 a month: 87% above the county.

HUD publishes a fair market rent for all of Cabarrus County, by unit size. To pay the 2-bedroom one ($1,785 a month) without spending more than 30% of your income, you would need to earn $34.33 an hour working full time.

HUD fair market rent for all of Cabarrus 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 $1,574 $30.27 $62,960
1 bedroom $1,640 $31.54 $65,600
2 bedrooms $1,785 $34.33 $71,400
3 bedrooms $2,179 $41.90 $87,160
4 bedrooms $2,773 $53.33 $110,920

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 Harrisburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harrisburg is in ZIP code 28075.

For 2 bedrooms it is $2,680: $895 more than the fair market rent for Cabarrus County ($1,785).

  • 28075 $2,680$3,270

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

Free help

Help to buy or rent in Harrisburg

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 Cabarrus County; none says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Harrisburg

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

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

  • NSC (naca Counseling Subsidiary) - Charlotte, NC

    5500 Executive Center Dr Ste 105, Charlotte · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (704) 536-7676

  • NSC (naca Counseling Subsidiary) - National Counseling Center

    5855 Executive Center Dr Suite 400, Charlotte · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (606) 230-6222

  • Prosperity Unlimited, Inc

    1660 Garnet St, Kannapolis · 12 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (704) 933-7405

Every agency in Cabarrus County All counseling agencies in North Carolina

Help in Spanish near Harrisburg

2 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 Harrisburg

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

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

Cities

Other cities in Cabarrus County

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

Everything about Cabarrus County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Cabarrus 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 Harrisburg.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Harrisburg

Short answers with the numbers for Harrisburg and all of Cabarrus 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 Harrisburg?

The typical home value in Harrisburg is $478,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cabarrus County it is $354,800.

How much does it cost to rent in Harrisburg?

Typical rent in Harrisburg is $2,640 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cabarrus County is $1,785.

What is the FHA loan limit in Harrisburg?

Harrisburg uses the FHA limit for all of Cabarrus 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 Harrisburg?

The typical homeowner in Harrisburg pays $3,391 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Cabarrus County, the rate is 0.73%.

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

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