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City · 15,408 residents · Henderson County, North Carolina

Hendersonville , North Carolina

In Hendersonville, a typical home is worth $317,000 and typical rent is $1,332 a month. Compared with all of Henderson County, typical household income is 22% lower, typical rent is 12% higher, and the share of households that own their home is 29 points lower.

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  • Typical home value

    $317,000

    10% below the county

    10% above North Carolina

    • Hendersonville
    • Henderson
    • North Carolina

  • Typical rent

    $1,332a month

    12% above the county

    8% above North Carolina

    • Hendersonville
    • Henderson
    • North Carolina

  • Typical household income

    $53,449a year

    22% below the county

    26% below North Carolina

    • Hendersonville
    • Henderson
    • North Carolina

  • Households that own their home

    46%

    29 points below the county

    21 points below North Carolina

    • Hendersonville
    • Henderson
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$406,006
1.7% less than 12 months ago
Typical rent
$1,674 a month
2.7% more than 12 months ago

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

Hendersonville is in Henderson 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 Henderson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hendersonville apart

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

  1. 46% of households in Hendersonville own their home, against 75% in Henderson County.

  2. Nearby, in Brevard, the typical rent is $979: 27% less than in Hendersonville ($1,332).

  3. Nearby, in East Flat Rock, the typical home value is $245,900: 22% less than in Hendersonville ($317,000).

  4. The typical household income in Hendersonville is $53,449, 22% less than in Henderson County as a whole ($68,187).

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

The homes here

Housing in Hendersonville

What homes there are in Hendersonville, 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

Homes in Hendersonville are varied: detached houses are the largest group, at 41%, against 69% in Henderson County.

Year built

In Hendersonville, half of the homes were built before 1987; in Henderson County, before 1990.

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

About 90% of owner-occupied homes in Hendersonville are worth less than the FHA loan limit for Henderson County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Henderson County is $1,866; about 79% of rents in Hendersonville are below it.

With a mortgage

$1,624 a month

Henderson County: $1,608 a month

Without a mortgage

$582 a month

Henderson County: $482 a month

Owners with a mortgage

48%

Henderson County: 54%

In Hendersonville, 48% of owners have a mortgage; their typical cost is $1,624 a month, about the same as in Henderson County.

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 Hendersonville rose 69% since 2015–2019, more than in Henderson County (64%).

Rents in Hendersonville rose faster than in Henderson County: 54% since 2015–2019, against 39%.

Here income did not keep up with housing: it rose 38%, while home values changed +69% and rent +54%.

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

MeasureHendersonvilleHenderson CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate6.7%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate1.4%2.2%3.4%
People per household 1.852.292.442.53
Drive alone 76%76%72%69%
Carpool 12%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 9%10%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 1.85 on average, against 2.29 in Henderson County.

The car rules in Hendersonville: 76% 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 Hendersonville?

A typical home costs more than the typical income allows

We start with a typical home in Hendersonville, worth $317,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Hendersonville, which is $53,449 a year. For that payment to be 28% of income, a household would need to earn about $110,641 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hendersonville. 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 $11,095 (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

$2,582

at 7.18% · 30 years

Loan amount
$311,258
Total interest
$447,828
Paid off in
November 2056

Includes $5,353 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,247 a month

  • Tight

    $1,247 to $1,603 a month

  • Hard

    more than $1,603 a month

    Your payment · 58%

Compared with the typical household income in Hendersonville ($53,449 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,582
Principal & interest$2,109
Property tax$201
Home insurance$132
FHA mortgage insurance (MIP)$140

You need at least $11,095 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

Hendersonville and Henderson County

Hendersonville is in Henderson 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).

Hendersonville's own numbers

Typical home value
$317,000
Typical monthly rent
$1,332
Typical yearly household income
$53,449
Households that own their home
46%
Effective property tax rate
0.76%

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

Numbers for all of Henderson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,866
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
1.1%

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 Henderson County.

Everything about Henderson County

Buying

Buying a home in Hendersonville

A typical home in Hendersonville is worth $317,000: 10% below the county and 10% above North Carolina. With the typical household income in Hendersonville ($53,449 a year), a typical home costs 5.9 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.

  • Hendersonville 5.9 years
  • Henderson 5.2 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Henderson County

According to FHFA’s house price index, home prices in Henderson County rose 111% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) −0.0% +2.5% +2.9%
5 years (2020–2025) +58% +60% +47%
10 years (2015–2025) +111% +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

Hendersonville next to Henderson 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
  • Hendersonville $317,000
  • Henderson $351,400
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Hendersonville $1,332
  • Henderson $1,187
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Hendersonville $53,449
  • Henderson $68,187
  • North Carolina $72,388
  • United States $80,734
See the full table
Hendersonville next to Henderson County and North Carolina
Measure Hendersonville Henderson County North Carolina U.S.
Typical home value $317,000 $351,400 $288,900 $332,700
Typical monthly rent $1,332 $1,187 $1,228 $1,413
Typical yearly household income $53,449 $68,187 $72,388 $80,734
Households that own their home 46% 75% 67% 65%
Typical yearly property tax $2,398 $1,810 $1,896 $3,119
Effective property tax rate 0.76% 0.52% 0.66% 0.94%
Renters with high rent for their income 60% 48% 49% 51%

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

For a typical $317,000 home in Hendersonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hendersonville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,582a month

    Least cash to close
    Down payment
    $11,095
    Cash to close
    $20,605
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $140

  • Conventional, 5% down $2,524a month

    Down payment
    $15,850
    Cash to close
    $25,360
    Rate
    7.18%
    Mortgage insurance
    PMI · $151

  • Conventional, 20% down, no PMI $2,051a month

    Down payment
    $63,400
    Cash to close
    $72,910
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,344a month

    Down payment
    $47,550
    Cash to close
    $57,060
    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 Hendersonville and for Henderson County.

Property tax

Effective rate in Hendersonville

0.76%of the home’s value each year

$2,398 a year for the typical owner in Hendersonville.

  • Hendersonville 0.76%
  • Henderson 0.52%
  • 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 Henderson County

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

Homes in the high-risk zone
1.1%
562
Of those, with NFIP insurance
44%
County North Carolina U.S.
Homes in the high-risk zone 1.1% 2.8% 3.5%
Of those, with NFIP insurance 44% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hendersonville

Typical rent in Hendersonville is $1,332 a month: 12% above the county. In Hendersonville, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Henderson County, by unit size. To pay the 2-bedroom one ($1,866 a month) without spending more than 30% of your income, you would need to earn $35.88 an hour working full time.

HUD fair market rent for all of Henderson 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 $1,482 $28.50 $59,280
1 bedroom $1,714 $32.96 $68,560
2 bedrooms $1,866 $35.88 $74,640
3 bedrooms $2,223 $42.75 $88,920
4 bedrooms $3,109 $59.79 $124,360

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 Hendersonville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hendersonville has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,660 in 28739 to $1,700 in 28791.

None is above the fair market rent for Henderson County ($1,866).

  • 28739 $1,660$2,010
  • 28791 $1,700$2,030
  • 28792 $1,690$2,010

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

HUD lists 15 buildings with rents for lower incomes in Hendersonville. These are the largest.

  • Henderson Heights Apartments 706 3rd Ave W, Hendersonville 28739 352 low-income homes · For families (828) 693-0497
  • Cedar Terrace 125 Francis Rd, Hendersonville 28792 80 low-income homes · 2 bd: 56 · 3 bd: 24 · In service since 2017 · For families
  • Oklawaha Village 17 Perkins Pl, Hendersonville 28792 78 low-income homes · 1 bd: 18 · 2 bd: 36 · 3 bd: 24 · In service since 2020 · For families
  • Cedar Bluffs 28 Cedar Bluffs Dr, Hendersonville 28792 64 low-income homes · 2 bd: 24 · 3 bd: 40 · In service since 2000 · For families
  • Signal Ridge 34 Signal Ridge Ct, Hendersonville 28792 60 low-income homes · 1 bd: 6 · 2 bd: 30 · 3 bd: 24 · In service since 2020 · For families

See all 16 buildings in Henderson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hendersonville

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Hendersonville

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

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

  • Consumer Credit Counseling Service of Wnc, Inc. - DBA - Ontrack Financial Education & Counseling

    50 S French Broad Ave, Asheville · 19 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (828) 255-5166

  • Mountain Projects, Inc.

    2177 Asheville Rd, Waynesville · 31 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (828) 452-1447

  • Cleveland County Community Development Corporation

    823 W Warren St, Shelby · 51 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (704) 480-7701

All counseling agencies in North Carolina

Help in Spanish near Hendersonville

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 Hendersonville

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

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

Cities

Other cities in Henderson County

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

Everything about Henderson County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Henderson 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 Hendersonville.

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

Questions

Housing questions about Hendersonville

Short answers with the numbers for Hendersonville and all of Henderson 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 Hendersonville?

The typical home value in Hendersonville is $317,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Henderson County it is $351,400.

How much does it cost to rent in Hendersonville?

Typical rent in Hendersonville is $1,332 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Henderson County is $1,866.

What is the FHA loan limit in Hendersonville?

Hendersonville uses the FHA limit for all of Henderson 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 Hendersonville?

The typical homeowner in Hendersonville pays $2,398 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Henderson County, the rate is 0.52%.

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

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