Español

Este sitio también está en español. Leer en español

City · 15,087 residents · Scotland County, North Carolina

Laurinburg , North Carolina

In Laurinburg, a typical home is worth $134,200 and typical rent is $774 a month. Compared with all of Scotland County, the typical home value is 17% higher, typical household income is 8% lower, and the share of households that own their home is 15 points lower.

WhatsApp

  • Typical home value

    $134,200

    17% above the county

    54% below North Carolina

    • Laurinburg
    • Scotland
    • North Carolina

  • Typical rent

    $774a month

    About the same as the county

    37% below North Carolina

    • Laurinburg
    • Scotland
    • North Carolina

  • Typical household income

    $42,170a year

    8% below the county

    42% below North Carolina

    • Laurinburg
    • Scotland
    • North Carolina

  • Households that own their home

    47%

    15 points below the county

    20 points below North Carolina

    • Laurinburg
    • Scotland
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$144,534
4.5% more than 12 months ago

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

Laurinburg is in Scotland 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 Scotland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Laurinburg apart

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

  1. Laurinburg has the 7th lowest typical home value of the 166 cities in North Carolina with more than 5,000 people ($134,200).

  2. 47% of households in Laurinburg own their home, against 62% in Scotland County.

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Laurinburg rose 4.5%; in North Carolina, it barely changed.

  4. Nearby, in Hamlet, the typical rent is $640: 17% less than in Laurinburg ($774).

  5. Laurinburg has the 10th lowest typical rent of the 154 cities in North Carolina with more than 5,000 people ($774).

  6. Nearby, in Hamlet, the typical home value is $112,600: 16% less than in Laurinburg ($134,200).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Laurinburg

What homes there are in Laurinburg, 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

The detached house rules in Laurinburg: 65% of homes, more than in Scotland County (57%).

Year built

Homes in Laurinburg are older: the typical year built is 1975; in Scotland County, 1982.

Homes in Laurinburg are smaller: 59% have 3 bedrooms or more; in Scotland County, 68%.

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

With an FHA limit of $541,287, at least 98% of owner-occupied homes in Laurinburg sit below it: they are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Scotland County is $1,012; about 78% of rents in Laurinburg are below it.

With a mortgage

$1,267 a month

Scotland County: $1,231 a month

Without a mortgage

$519 a month

Scotland County: $419 a month

Owners with a mortgage

54%

Scotland County: 46%

Owning costs about the same in Laurinburg as in Scotland County: with a mortgage, $1,267 a month; without one, $519.

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

Homes in Laurinburg gained value more slowly than in Scotland County: 30% since 2015–2019, against 34%.

Rents in Laurinburg rose more slowly than in Scotland County: 12% since 2015–2019, against 15%.

Income in Laurinburg grew faster than housing: it rose 37%, while home values changed +30% and rent +12%.

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

MeasureLaurinburgScotland CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room 9.7%5.9%2.2%3.4%
People per household 2.502.492.442.53
Drive alone 78%83%72%69%
Carpool 10%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 9%6%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 9.7% of households in Laurinburg live, more than in Scotland County (5.9%).

Much as in Scotland County, a household in Laurinburg has 2.50 people on average.

Many people here do not commute at all: 9% work from home; in Scotland County, 6%.

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 Laurinburg?

A typical home is tight for the typical income

We start with a typical home in Laurinburg, worth $134,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Laurinburg, which is $42,170 a year. For that payment to be 28% of income, a household would need to earn about $48,181 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Laurinburg. 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 $4,697 (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

$1,124

at 7.18% · 30 years

Loan amount
$131,769
Total interest
$189,585
Paid off in
November 2056

Includes $2,266 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $984 a month

  • Tight

    $984 to $1,265 a month

    Your payment · 32%

  • Hard

    more than $1,265 a month

Compared with the typical household income in Laurinburg ($42,170 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,124
Principal & interest$893
Property tax$116
Home insurance$56
FHA mortgage insurance (MIP)$59

You need at least $4,697 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

Laurinburg and Scotland County

Laurinburg is in Scotland 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).

Laurinburg's own numbers

Typical home value
$134,200
Typical monthly rent
$774
Typical yearly household income
$42,170
Households that own their home
47%
Effective property tax rate
1.04%

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

Numbers for all of Scotland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,012
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
0.9%

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 Scotland County.

Everything about Scotland County

Buying

Buying a home in Laurinburg

A typical home in Laurinburg is worth $134,200: 17% above the county and 54% below North Carolina. With the typical household income in Laurinburg ($42,170 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.

  • Laurinburg 3.2 years
  • Scotland 2.5 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Scotland County

According to FHFA’s house price index, home prices in Scotland County rose 90% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +18.8% +2.5% +2.9%
5 years (2020–2025) +67% +60% +47%
10 years (2015–2025) +90% +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

Laurinburg next to Scotland 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
  • Laurinburg $134,200
  • Scotland $114,900
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Laurinburg $774
  • Scotland $778
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Laurinburg $42,170
  • Scotland $45,730
  • North Carolina $72,388
  • United States $80,734
See the full table
Laurinburg next to Scotland County and North Carolina
Measure Laurinburg Scotland County North Carolina U.S.
Typical home value $134,200 $114,900 $288,900 $332,700
Typical monthly rent $774 $778 $1,228 $1,413
Typical yearly household income $42,170 $45,730 $72,388 $80,734
Households that own their home 47% 62% 67% 65%
Typical yearly property tax $1,396 $1,068 $1,896 $3,119
Effective property tax rate 1.04% 0.93% 0.66% 0.94%
Renters with high rent for their income 55% 52% 49% 51%

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

For a typical $134,200 home in Laurinburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Laurinburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,124a month

    Least cash to close
    Down payment
    $4,697
    Cash to close
    $8,723
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $59

  • Conventional, 5% down $1,100a month

    Down payment
    $6,710
    Cash to close
    $10,736
    Rate
    7.18%
    Mortgage insurance
    PMI · $64

  • Conventional, 20% down, no PMI $900a month

    Down payment
    $26,840
    Cash to close
    $30,866
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,024a month

    Down payment
    $20,130
    Cash to close
    $24,156
    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 Laurinburg and for Scotland County.

Property tax

Effective rate in Laurinburg

1.04%of the home’s value each year

$1,396 a year for the typical owner in Laurinburg.

  • Laurinburg 1.04%
  • Scotland 0.93%
  • 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 Scotland County

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

Homes in the high-risk zone
0.9%
128
Of those, with NFIP insurance
13%
County North Carolina U.S.
Homes in the high-risk zone 0.9% 2.8% 3.5%
Of those, with NFIP insurance 13% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Laurinburg

Typical rent in Laurinburg is $774 a month: about the same as the county. In Laurinburg, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Scotland County, by unit size. To pay the 2-bedroom one ($1,012 a month) without spending more than 30% of your income, you would need to earn $19.46 an hour working full time.

HUD fair market rent for all of Scotland 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 $769 $14.79 $30,760
1 bedroom $774 $14.88 $30,960
2 bedrooms $1,012 $19.46 $40,480
3 bedrooms $1,324 $25.46 $52,960
4 bedrooms $1,330 $25.58 $53,200

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 Laurinburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Laurinburg is in ZIP code 28352.

For 2 bedrooms it is $1,010: $2 less than the fair market rent for Scotland County ($1,012).

  • 28352 $1,010$1,320

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

HUD lists 14 buildings with rents for lower incomes in Laurinburg. These are the largest.

  • Scotland Manor Apartments 900 Charlotte St, Laurinburg 28352 60 low-income homes · For families (910) 276-1025
  • Pinewood Park 415C US Highway 401 Byp S, Laurinburg 28352 54 low-income homes · 1 bd: 11 · 2 bd: 34 · 3 bd: 9 · In service since 2019 · For families
  • Live Oak Estates 1411 McBride Ave, Laurinburg 28352 50 low-income homes · For older adults (910) 276-5039
  • Mcduffie Village Apartments 307 Carver St, Laurinburg 28352 50 low-income homes · For families (910) 277-9166
  • Cedar Trace Landing 17098 Stonewall Road, Laurinburg 28352 48 low-income homes · 1 bd: 36 · 2 bd: 12 · In service since 2002 · For older adults

See all 17 buildings in Scotland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Laurinburg

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Laurinburg

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

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

  • Sandhills Community Action Program, Inc.

    602 Rockingham Rd, Rockingham · 20 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (910) 410-0207

  • Sandhills Community Action Program, Inc.

    340 Commerce Ave Ste 20, Southern Pines · 28 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (910) 947-5675

  • Sandhills Community Action Program, Inc.

    205 W Morgan St, Wadesboro · 37 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    704-994-2306-210

All counseling agencies in North Carolina

Help in Spanish near Laurinburg

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 Laurinburg

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

  • Housing Authority of the Town of Laurinburg Public housing and Section 8 vouchers (910) 276-2582

All housing agencies in North Carolina Source: HUD

Cities

Nearby cities

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

Everything about Scotland County Housing in North Carolina

Neighboring counties

If Scotland 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 Laurinburg.

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

Questions

Housing questions about Laurinburg

Short answers with the numbers for Laurinburg and all of Scotland 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 Laurinburg?

The typical home value in Laurinburg is $134,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Scotland County it is $114,900.

How much does it cost to rent in Laurinburg?

Typical rent in Laurinburg is $774 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Scotland County is $1,012.

What is the FHA loan limit in Laurinburg?

Laurinburg uses the FHA limit for all of Scotland 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 Laurinburg?

The typical homeowner in Laurinburg pays $1,396 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Scotland County, the rate is 0.93%.

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

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