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City · 17,691 residents · Craven County, North Carolina

Havelock , North Carolina

In Havelock, a typical home is worth $207,700 and typical rent is $1,280 a month. Compared with all of Craven County, typical rent is 15% higher, typical household income is 11% lower, and the share of households that own their home is 27 points lower.

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  • Typical home value

    $207,700

    10% below the county

    28% below North Carolina

    • Havelock
    • Craven
    • North Carolina

  • Typical rent

    $1,280a month

    15% above the county

    4% above North Carolina

    • Havelock
    • Craven
    • North Carolina

  • Typical household income

    $58,408a year

    11% below the county

    19% below North Carolina

    • Havelock
    • Craven
    • North Carolina

  • Households that own their home

    41%

    27 points below the county

    25 points below North Carolina

    • Havelock
    • Craven
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$233,516
2.3% more than 12 months ago
Typical rent
$1,542 a month
3.1% more than 12 months ago

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

Havelock is in Craven 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 Craven County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Havelock apart

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

  1. 41% of households in Havelock own their home, against 68% in Craven County.

  2. Nearby, in New Bern, the typical rent is $1,081: 16% less than in Havelock ($1,280).

  3. The typical rent in Havelock is $1,280 a month, 15% more than in Craven County as a whole ($1,110).

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

The homes here

Housing in Havelock

What homes there are in Havelock, 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 Havelock, 6 in 10 homes are single-family detached houses; in Craven County, 7.

Year built

The typical year built in Havelock is 1987, about the same as in Craven County (1989).

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

$1,372 a month

Craven County: $1,454 a month

Without a mortgage

$561 a month

Craven County: $523 a month

Owners with a mortgage

76%

Craven County: 57%

In Havelock, 76% of owners have a mortgage, and their typical cost is $1,372 a month, against $1,454 in Craven County. Without one it drops to $561.

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 Havelock rose 50% since 2015–2019, more than in Craven County (47%).

Rents in Havelock rose faster than in Craven County: 27% since 2015–2019, against 22%.

Here income did not keep up with housing: it rose 11%, while home values changed +50% and rent +27%.

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

MeasureHavelockCraven CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate6.4%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate1.3%2.2%3.4%
People per household 2.502.292.442.53
Drive alone 70%78%72%69%
Carpool 17%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate8%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.50 on average, against 2.29 in Craven County.

More people carpool to work in Havelock than in Craven County: 17% against 10%.

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 Havelock?

A typical home is tight for the typical income

We start with a typical home in Havelock, worth $207,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Havelock, which is $58,408 a year. For that payment to be 28% of income, a household would need to earn about $73,160 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Havelock. 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 $7,270 (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

$1,707

at 7.18% · 30 years

Loan amount
$203,938
Total interest
$293,418
Paid off in
November 2056

Includes $3,508 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,363 a month

  • Tight

    $1,363 to $1,752 a month

    Your payment · 35%

  • Hard

    more than $1,752 a month

Compared with the typical household income in Havelock ($58,408 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,707
Principal & interest$1,382
Property tax$147
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,270 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

Havelock and Craven County

Havelock is in Craven 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).

Havelock's own numbers

Typical home value
$207,700
Typical monthly rent
$1,280
Typical yearly household income
$58,408
Households that own their home
41%
Effective property tax rate
0.85%

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

Numbers for all of Craven County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,246
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
13%

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 Craven County.

Everything about Craven County

Buying

Buying a home in Havelock

A typical home in Havelock is worth $207,700: 10% below the county and 28% below North Carolina. With the typical household income in Havelock ($58,408 a year), a typical home costs 3.6 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.

  • Havelock 3.6 years
  • Craven 3.5 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Craven County

According to FHFA’s house price index, home prices in Craven County rose 99% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +2.8% +2.5% +2.9%
5 years (2020–2025) +67% +60% +47%
10 years (2015–2025) +99% +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

Havelock next to Craven 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
  • Havelock $207,700
  • Craven $231,600
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Havelock $1,280
  • Craven $1,110
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Havelock $58,408
  • Craven $65,873
  • North Carolina $72,388
  • United States $80,734
See the full table
Havelock next to Craven County and North Carolina
Measure Havelock Craven County North Carolina U.S.
Typical home value $207,700 $231,600 $288,900 $332,700
Typical monthly rent $1,280 $1,110 $1,228 $1,413
Typical yearly household income $58,408 $65,873 $72,388 $80,734
Households that own their home 41% 68% 67% 65%
Typical yearly property tax $1,758 $1,450 $1,896 $3,119
Effective property tax rate 0.85% 0.63% 0.66% 0.94%
Renters with high rent for their income 49% 46% 49% 51%

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

For a typical $207,700 home in Havelock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Havelock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,707a month

    Least cash to close
    Down payment
    $7,270
    Cash to close
    $13,501
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,669a month

    Down payment
    $10,385
    Cash to close
    $16,616
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,359a month

    Down payment
    $41,540
    Cash to close
    $47,771
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,551a month

    Down payment
    $31,155
    Cash to close
    $37,386
    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 Havelock and for Craven County.

Property tax

Effective rate in Havelock

0.85%of the home’s value each year

$1,758 a year for the typical owner in Havelock.

  • Havelock 0.85%
  • Craven 0.63%
  • 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 Craven County

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

Homes in the high-risk zone
13%
5,869
Of those, with NFIP insurance
61%
County North Carolina U.S.
Homes in the high-risk zone 13% 2.8% 3.5%
Of those, with NFIP insurance 61% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Havelock

Typical rent in Havelock is $1,280 a month: 15% above the county. In Havelock, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Craven County, by unit size. To pay the 2-bedroom one ($1,246 a month) without spending more than 30% of your income, you would need to earn $23.96 an hour working full time.

HUD fair market rent for all of Craven 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 $946 $18.19 $37,840
1 bedroom $952 $18.31 $38,080
2 bedrooms $1,246 $23.96 $49,840
3 bedrooms $1,644 $31.62 $65,760
4 bedrooms $1,985 $38.17 $79,400

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 Havelock

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

For 2 bedrooms it is $1,410 in all of them.

2 of the 2 are above the fair market rent for Craven County ($1,246).

  • 28532 $1,410$1,860
  • 28533 $1,410$1,860

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

HUD lists 7 buildings with rents for lower incomes in Havelock. These are the largest.

  • Woodfield Cove 3000 Woodfield Cove Ln, Havelock 28532 72 low-income homes · 1 bd: 12 · 2 bd: 36 · 3 bd: 24 · In service since 2020 · For families
  • Havelock Manor Apts 200 Shipman Rd, Havelock 28532 60 low-income homes · 1 bd: 8 · 2 bd: 52 · In service since 1995 · For families
  • The Pines at Lake Road 44 Stallion Cir, Havelock 28532 60 low-income homes · 2 bd: 30 · 3 bd: 30 · In service since 1997 · For families
  • Tyler Place 48 A H Stallion Cir, Havelock 28532 60 low-income homes · 2 bd: 30 · 3 bd: 30 · In service since 1997 · For families
  • Havelock Hill 220 Shipman Rd, Havelock 28532 54 low-income homes · For families (252) 447-3451

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

Free help

Help to buy or rent in Havelock

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Havelock

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

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

  • City of Jacksonville

    815 New Bridge St, Jacksonville · 32 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (910) 938-6551

  • Cape Fear Regional CDC

    500 Compton St, Wilmington · 75 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (910) 762-7555

  • City of Wilmington

    929 N Front St, Wilmington · 75 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (910) 341-7836

All counseling agencies in North Carolina

Help in Spanish near Havelock

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 Havelock

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

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

Cities

Other cities in Craven County

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

Everything about Craven County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Craven 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 Havelock.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Havelock

Short answers with the numbers for Havelock and all of Craven 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 Havelock?

The typical home value in Havelock is $207,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Craven County it is $231,600.

How much does it cost to rent in Havelock?

Typical rent in Havelock is $1,280 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Craven County is $1,246.

What is the FHA loan limit in Havelock?

Havelock uses the FHA limit for all of Craven 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 Havelock?

The typical homeowner in Havelock pays $1,758 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Craven County, the rate is 0.63%.

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

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