City · 116,245 residents · Guilford County, North Carolina
High Point, North Carolina
In High Point, a typical home is worth $235,800 and typical rent is $1,116 a month. Compared with all of Guilford County, the typical home value is 9% lower and typical household income is 6% lower.
Typical home value from Zillow, September 2021 to September 2026: from $198,669 to $247,717.
Typical rent
$1,418a month
▲ 3.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,053 to $1,418.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
High Point is in Guilford 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 Guilford County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Thomasville, the typical home value is $179,300: 24% less than in High Point ($235,800).
2
Nearby, in Thomasville, the typical rent is $879: 21% less than in High Point ($1,116).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in High Point
What homes there are in High Point, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
High Point
Guilford County
North Carolina
United States
Kind of home: High Point and its comparisons
Measure
High Point
Guilford County
North Carolina
United States
Detached house
63%
62%
65%
61%
Attached house
8%
6%
5%
6%
Building of 2 to 4
6%
6%
5%
8%
Apartments (5 or more)
22%
23%
14%
19%
Mobile home
1%
3%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Guilford County, most homes in High Point are detached houses (63%).
Year built
Before 19601960–19791980–19992000–20092010 or later
High Point
Guilford County
North Carolina
United States
Year built: High Point and its comparisons
Measure
High Point
Guilford County
North Carolina
United States
Before 1960
20%
18%
14%
26%
1960–1979
20%
23%
20%
24%
1980–1999
27%
30%
31%
25%
2000–2009
22%
17%
19%
14%
2010 or later
10%
12%
17%
11%
In High Point, half of the homes were built before 1989; in Guilford County, before 1987.
In High Point, 61% of homes have 3 bedrooms or more, about the same as in Guilford County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K12%
$100K–$200K28%
$200K–$300K27%
$300K–$500K27%
$500K–$750K5%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: High Point and its comparisons
Measure
High Point
Under $100K
12%
$100K–$200K
28%
$200K–$300K
27%
$300K–$500K
27%
$500K–$750K
5%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 95% of owner-occupied homes in High Point are worth less than the FHA loan limit for Guilford County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50011%
$500–$99928%
$1,000–$1,49941%
HUD fair market rent, 2 bedrooms: $1,271
$1,500–$1,99914%
$2,000–$2,4994%
$2,500–$2,999Unreliable
$3,000 or more2%
Monthly rent with utilities: High Point and its comparisons
Measure
High Point
Under $500
11%
$500–$999
28%
$1,000–$1,499
41%
$1,500–$1,999
14%
$2,000–$2,499
4%
$2,500–$2,999
Unreliable estimate
$3,000 or more
2%
HUD's 2-bedroom fair market rent (FMR) for Guilford County is $1,271: about 61% of rents in High Point are below it.
With a mortgage
$1,574 a month
Guilford County: $1,536 a month
Without a mortgage
$539 a month
Guilford County: $515 a month
Owners with a mortgage
64%
Guilford County: 65%
The typical cost for an owner with a mortgage in High Point is $1,574 a month, near the figure in Guilford County ($1,536).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
High Point+55%
Guilford County+56%
North Carolina+68%
United States+53%
Typical rent
High Point+27%
Guilford County+33%
North Carolina+35%
United States+33%
Typical household income
High Point+37%
Guilford County+29%
North Carolina+33%
United States+29%
Change since 2015–2019: High Point and its comparisons
Measure
High Point
Guilford County
North Carolina
United States
Typical home value
+55%
+56%
+68%
+53%
Typical rent
+27%
+33%
+35%
+33%
Typical household income
+37%
+29%
+33%
+29%
From 2015–2019 to 2020–2024, home values in High Point rose at about the same pace as in Guilford County: 55% against 56%.
The typical rent in High Point rose 27% over the same time; in Guilford County, it rose 33%.
To compare: typical income in High Point rose 37%; the home, +55%; the rent, +27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: High Point and its comparisons
Measure
High Point
Guilford County
North Carolina
United States
Rental vacancy
6.2%
6.2%
7.1%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.3%
0.9%
More than one person per room
3.6%
2.6%
2.2%
3.4%
People per household
2.37
2.38
2.44
2.53
Drive alone
77%
73%
72%
69%
Carpool
9%
8%
9%
9%
Public transit
1%
1%
1%
3%
Walk or bike
2%
2%
2%
3%
Work from home
10%
14%
16%
15%
Other means
2%
2%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Open rentals in High Point look like those in Guilford County: the rental vacancy rate is 6.2%.
More than one person per room: that is how 3.6% of households in High Point live, near the figure in Guilford County (2.6%).
By size, households in High Point look like those in Guilford County: 2.37 people on average.
To get to work, 77% of workers in High Point drive alone; in Guilford County, 73%.
Do the math
What would you pay each month for a home in High Point?
A typical home costs more than the typical income allows
We start with a typical home in High Point, worth $235,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in High Point, which is $64,561 a year. For that payment to be 28% of income, a household would need to earn about $83,985 a year.
The calculator's FHA and conventional loan limits are those of all of Guilford County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in High Point. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,253 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,960
at 7.18% · 30 years
Loan amount
$231,529
Total interest
$333,116
Paid off in
November 2056
Includes $3,982 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,506 a month
Tight
$1,506 to $1,937 a month
Hard
more than $1,937 a month
Your payment · 36%
Compared with the typical household income in High Point ($64,561 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,568
Property tax
$189
Home insurance
$98
FHA mortgage insurance (MIP)
$104
You need at least $8,253 for the down payment, plus closing costs.
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.
Total monthly payment $1,960; principal and interest $1,568.
The city and its county
High Point and Guilford County
High Point is in Guilford 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).
High Point
Map of Guilford County, North Carolina, with High Point marked. Around it, the neighboring counties.
High Point
Guilford County
Other cities with a page
High Point's own numbers
Typical home value
$235,800
Typical monthly rent
$1,116
Typical yearly household income
$64,561
Households that own their home
58%
Effective property tax rate
0.96%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Guilford County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,271
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
0.5%
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 Guilford County.
A typical home in High Point is worth $235,800: 9% below the county and 18% below North Carolina. With the typical household income in High Point ($64,561 a year), a typical home costs 3.7 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.
High Point3.7 years
Guilford3.8 years
North Carolina4.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Guilford County
According to FHFA’s house price index, home prices in Guilford County rose 98% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Guilford County.
Yearly change in FHFA’s price index in Guilford County, 2016 to 2025
2016: +3.3% +3.3% 2016
2017: +3.7% +3.7% 2017
2018: +5.4% +5.4% 2018
2019: +4.9% +4.9% 2019
2020: +4.3% +4.3% 2020
2021: +12.4% +12.4% 2021
2022: +19.4% +19.4% 2022
2023: +8.9% +8.9% 2023
2024: +6.4% +6.4% 2024
2025: +3.2% +3.2% 2025
Change in FHFA’s price index in Guilford County, North Carolina and the United States
Period
County
North Carolina
U.S.
Last year (2025)
+3.2%
+2.5%
+2.9%
5 years (2020–2025)
+61%
+60%
+47%
10 years (2015–2025)
+98%
+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
High Point next to Guilford 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
High Point$235,800
Guilford$259,900
North Carolina$288,900
United States$332,700
Typical monthly rent
High Point$1,116
Guilford$1,163
North Carolina$1,228
United States$1,413
Typical yearly household income
High Point$64,561
Guilford$68,642
North Carolina$72,388
United States$80,734
See the full table
High Point next to Guilford County and North Carolina
Measure
High Point
Guilford County
North Carolina
U.S.
Typical home value
$235,800 ▼9% below the county
$259,900
$288,900
$332,700
Typical monthly rent
$1,116 ▼4% below the county
$1,163
$1,228
$1,413
Typical yearly household income
$64,561 ▼6% below the county
$68,642
$72,388
$80,734
Households that own their home
58% ▼2 points below the county
60%
67%
65%
Typical yearly property tax
$2,258 ▲4% above the county
$2,174
$1,896
$3,119
Effective property tax rate
0.96% ▲0.12 points above the county
0.84%
0.66%
0.94%
Renters with high rent for their income
46% ▼6 points below the county
52%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Guilford 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 High Point
For a typical $235,800 home in High Point, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, High Point's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,960a month
Least cash to close
Down payment
$8,253
Cash to close
$15,327
Rate
7.18%
Mortgage insurance
FHA MIP · $104
Conventional, 5% down$1,916a month
Down payment
$11,790
Cash to close
$18,864
Rate
7.18%
Mortgage insurance
PMI · $112
Conventional, 20% down, no PMI$1,565a month
Down payment
$47,160
Cash to close
$54,234
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,783a month
Down payment
$35,370
Cash to close
$42,444
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in High Point
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,960
$8,253
$231,529
7.18%
FHA MIP · $104
$15,327
580
Conventional, 5% down
$1,916
$11,790
$224,010
7.18%
PMI · $112
$18,864
620*
Conventional, 20% down, no PMI
$1,565
$47,160
$188,640
7.18%
None
$54,234
620*
ITIN, 15% down (example)
$1,783
$35,370
$200,430
8.18%
None
$42,444
Set by the lender
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.
Typical rent in High Point is $1,116 a month: 4% below the county. In High Point, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Guilford County, by unit size. To pay the 2-bedroom one ($1,271 a month) without spending more than 30% of your income, you would need to earn $24.44 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Guilford County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,121
$21.56
$44,840
1 bedroom
$1,168
$22.46
$46,720
2 bedrooms
$1,271
$24.44
$50,840
3 bedrooms
$1,644
$31.62
$65,760
4 bedrooms
$1,932
$37.15
$77,280
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 High Point
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). High Point has 4 ZIP codes with their own.
For 2 bedrooms it runs from $1,120 in 27260 to $1,380 in 27265.
1 of the 4 is above the fair market rent for Guilford County ($1,271).
2-bedroom fair market rent in each of the 4 ZIP codes of High Point, beside the one for Guilford County. For 2 bedrooms it runs from $1,120 in 27260 to $1,380 in 27265. 1 of the 4 is above the fair market rent for Guilford County ($1,271).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,271
Lowest: $1,120 (27260)Highest: $1,380 (27265)
Fair market rent by ZIP code and size in High Point, fiscal year 2027.
27260
$990
$1,030
$1,120
$1,450
$1,700
27262
$1,080
$1,130
$1,230
$1,600
$1,880
27265
$1,200
$1,260
$1,380
$1,790
$2,090
27268
$1,050
$1,090
$1,190
$1,550
$1,820
ZIP code2 bd3 bd
27260 $1,120$1,450
27262 $1,230$1,600
27265 $1,380$1,790
27268 $1,190$1,550
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for High Point 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 44 buildings with rents for lower incomes in High Point. These are the largest.
Elm Towers701 S Elm St, High Point 27260150 low-income homes · Run by Housing Authority of the City of High Point · Average payment: $327 a month · Average wait: 22 months(336) 887-2661
Juanita Hills2702 Annmore Cir, High Point 27262140 low-income homes · Run by Housing Authority of the City of High Point · Average payment: $335 a month · Average wait: 53 months(336) 887-2661
Brentwood Crossing308D Brentwood St, High Point 27260136 low-income homes · 1 bd: 16 · 2 bd: 88 · 3 bd: 32 · In service since 2004 · For families
Brentwood Crossing226 Brentwood St, High Point 27260136 homes, 135 low-income · For families(336) 883-4528
Newgate Gardens605 Granby Ave, High Point 27260136 homes, 125 low-income · For families(336) 886-5528
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 are 7 HUD-approved agencies with an office in Guilford County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for High Point or Guilford County. The ones below are statewide in North Carolina: they work in High Point the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for High Point or Guilford County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for High Point and all of Guilford 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 High Point?
The typical home value in High Point is $235,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Guilford County it is $259,900.
How much does it cost to rent in High Point?
Typical rent in High Point is $1,116 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Guilford County is $1,271.
What is the FHA loan limit in High Point?
High Point uses the FHA limit for all of Guilford 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 High Point?
The typical homeowner in High Point pays $2,258 a year, according to the U.S. Census Bureau. That is 0.96% of the home’s value; in Guilford County, the rate is 0.84%.
Where can I find free help to buy or rent in High Point?
There are 7 HUD-approved counseling agencies with an office in Guilford County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
