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City · 18,859 residents · Robeson County, North Carolina

Lumberton , North Carolina

In Lumberton, a typical home is worth $152,600 and typical rent is $866 a month. Compared with all of Robeson County, the typical home value is 61% higher, typical rent is 8% higher, and the share of households that own their home is 22 points lower.

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  • Typical home value

    $152,600

    61% above the county

    47% below North Carolina

    • Lumberton
    • Robeson
    • North Carolina

  • Typical rent

    $866a month

    8% above the county

    29% below North Carolina

    • Lumberton
    • Robeson
    • North Carolina

  • Typical household income

    $42,877a year

    2% above the county

    41% below North Carolina

    • Lumberton
    • Robeson
    • North Carolina

  • Households that own their home

    44%

    22 points below the county

    23 points below North Carolina

    • Lumberton
    • Robeson
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$151,248
2.8% more than 12 months ago

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

Lumberton is in Robeson 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 Robeson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lumberton apart

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

  1. The typical home in Lumberton is worth $152,600, 61% more than in Robeson County as a whole ($94,500).

  2. 44% of households in Lumberton own their home, against 66% in Robeson County.

  3. Nearby, in Spring Lake, the typical home value is $124,000: 19% less than in Lumberton ($152,600).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Lumberton rose 2.8%; in North Carolina, it barely changed.

  5. Lumberton has the 14th lowest typical household income of the 165 cities in North Carolina with more than 5,000 people ($42,877).

  6. 13% of households in Lumberton have no internet at home (19% in Robeson County).

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

The homes here

Housing in Lumberton

What homes there are in Lumberton, 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 Lumberton, 6 in 10 homes are single-family detached houses; in Robeson County, 5.

Year built

In Lumberton, half of the homes were built before 1976; in Robeson County, before 1986.

There are fewer big homes in Lumberton than in Robeson County: 58% have 3 bedrooms or more, against 71%.

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

At least 97% of owner-occupied homes in Lumberton are worth less than $500,000, below the FHA loan limit for Robeson County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Robeson County is $1,012: about 63% of rents in Lumberton are below it.

With a mortgage

$1,372 a month

Robeson County: $1,175 a month

Without a mortgage

$508 a month

Robeson County: $412 a month

Owners with a mortgage

51%

Robeson County: 36%

Owning costs more in Lumberton: with a mortgage, the typical cost is $1,372 a month; in Robeson County, $1,175. Without one, $508.

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 Lumberton rose 39% since 2015–2019, more than in Robeson County (25%).

The typical rent in Lumberton rose 25% since 2015–2019, about the same as in Robeson County (25%).

The typical household income in Lumberton rose 16%: less than home values (+39%) and rent (+25%).

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

MeasureLumbertonRobeson CountyNorth CarolinaUnited States
Rental vacancy 5.6%4.6%7.1%5.5%
Homeowner vacancy Unreliable estimate0.8%1.3%0.9%
More than one person per room 3.6%3.6%2.2%3.4%
People per household 2.532.632.442.53
Drive alone 84%85%72%69%
Carpool 9%7%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 4%4%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Lumberton: 5.6% is empty and offered for rent, against 4.6% in Robeson County.

In Lumberton, 3.6% of households live with more than one person per room, about the same as in Robeson County.

Much as in Robeson County, a household in Lumberton has 2.53 people on average.

To get to work, 84% of workers in Lumberton drive alone; in Robeson County, 85%.

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 Lumberton?

A typical home is tight for the typical income

We start with a typical home in Lumberton, worth $152,600, 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 Lumberton, which is $42,877 a year. For that payment to be 28% of income, a household would need to earn about $54,351 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lumberton. 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 $5,341 (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

$1,268

at 7.18% · 30 years

Loan amount
$149,836
Total interest
$215,579
Paid off in
November 2056

Includes $2,577 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,000 a month

  • Tight

    $1,000 to $1,286 a month

    Your payment · 35%

  • Hard

    more than $1,286 a month

Compared with the typical household income in Lumberton ($42,877 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,268
Principal & interest$1,015
Property tax$122
Home insurance$64
FHA mortgage insurance (MIP)$67

You need at least $5,341 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

Lumberton and Robeson County

Lumberton is in Robeson 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).

Lumberton's own numbers

Typical home value
$152,600
Typical monthly rent
$866
Typical yearly household income
$42,877
Households that own their home
44%
Effective property tax rate
0.96%

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

Numbers for all of Robeson 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)
+56%
Homes in a high flood-risk zone
5.9%

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 Robeson County.

Everything about Robeson County

Buying

Buying a home in Lumberton

A typical home in Lumberton is worth $152,600: 61% above the county and 47% below North Carolina. With the typical household income in Lumberton ($42,877 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.

  • Lumberton 3.6 years
  • Robeson 2.3 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Robeson County

According to FHFA’s house price index, home prices in Robeson County rose 72% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +8.4% +2.5% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +72% +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

Lumberton next to Robeson 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
  • Lumberton $152,600
  • Robeson $94,500
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Lumberton $866
  • Robeson $805
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Lumberton $42,877
  • Robeson $41,978
  • North Carolina $72,388
  • United States $80,734
See the full table
Lumberton next to Robeson County and North Carolina
Measure Lumberton Robeson County North Carolina U.S.
Typical home value $152,600 $94,500 $288,900 $332,700
Typical monthly rent $866 $805 $1,228 $1,413
Typical yearly household income $42,877 $41,978 $72,388 $80,734
Households that own their home 44% 66% 67% 65%
Typical yearly property tax $1,471 $820 $1,896 $3,119
Effective property tax rate 0.96% 0.87% 0.66% 0.94%
Renters with high rent for their income 49% 48% 49% 51%

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

For a typical $152,600 home in Lumberton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lumberton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,268a month

    Least cash to close
    Down payment
    $5,341
    Cash to close
    $9,919
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $67

  • Conventional, 5% down $1,240a month

    Down payment
    $7,630
    Cash to close
    $12,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $72

  • Conventional, 20% down, no PMI $1,013a month

    Down payment
    $30,520
    Cash to close
    $35,098
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,154a month

    Down payment
    $22,890
    Cash to close
    $27,468
    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 Lumberton and for Robeson County.

Property tax

Effective rate in Lumberton

0.96%of the home’s value each year

$1,471 a year for the typical owner in Lumberton.

  • Lumberton 0.96%
  • Robeson 0.87%
  • 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 Robeson County

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

Homes in the high-risk zone
5.9%
2,312
Of those, with NFIP insurance
24%
County North Carolina U.S.
Homes in the high-risk zone 5.9% 2.8% 3.5%
Of those, with NFIP insurance 24% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lumberton

Typical rent in Lumberton is $866 a month: 8% above the county. In Lumberton, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Robeson 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 Robeson 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 $807 $15.52 $32,280
1 bedroom $813 $15.63 $32,520
2 bedrooms $1,012 $19.46 $40,480
3 bedrooms $1,292 $24.85 $51,680
4 bedrooms $1,515 $29.13 $60,600

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 Lumberton

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

For 2 bedrooms it is $1,010 in all of them.

None is above the fair market rent for Robeson County ($1,012).

  • 28358 $1,010$1,290
  • 28359 $1,010$1,290
  • 28360 $1,010$1,290

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

HUD lists 24 buildings with rents for lower incomes in Lumberton. These are the largest.

  • Tudor Ct., Myers Pk., Hilton Height 400 N Martin Luther King Jr Dr, Lumberton 28358 282 low-income homes · Run by Housing Authority of the City of Lumberton · Average payment: $325 a month · Average wait: 4 months (910) 671-8200
  • Turner Terrace 3650 Meadow View Rd, Lumberton 28358 224 low-income homes · Run by Housing Authority of the City of Lumberton · Average payment: $282 a month · Average wait: 4 months (910) 671-8200
  • Lumbee Homes, Rozier Homes 101 Lee Cir, Lumberton 28358 223 low-income homes · Run by Housing Authority of the City of Lumberton · Average payment: $251 a month · Average wait: 5 months (910) 671-8200
  • Morgan Britt Park & Mccoll Page Plaza 138 Oxendine Cir, Lumberton 28360 150 low-income homes · Run by Robeson County Housing Authority · Average payment: $305 a month · Average wait: 15 months · Homes at several sites (910) 738-4866
  • Holly Ridge Apartments 406 Sinclair St, Lumberton 28358 110 low-income homes · For families (910) 738-5430

See all 54 buildings in Robeson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lumberton

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Lumberton

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

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

  • North Carolina Community Housing and Consulting, Inc

    321 Dick St Ste 102, Fayetteville · 30 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (910) 849-0113

  • Kingdom Community Development Corporation

    129 N Main St, Spring Lake · 37 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (910) 484-2722

  • Sandhills Community Action Program, Inc.

    340 Commerce Ave Ste 20, Southern Pines · 43 miles away

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

All counseling agencies in North Carolina

Help in Spanish near Lumberton

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 Lumberton

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

  • Housing Authority of the City of Lumberton Public housing and Section 8 vouchers (910) 671-8200
  • Robeson County Housing Authority Public housing (910) 738-4866

4 other authorities have an office in Robeson County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Robeson County Housing in North Carolina

Neighboring counties

If Robeson 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 Lumberton.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Lumberton

Short answers with the numbers for Lumberton and all of Robeson 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 Lumberton?

The typical home value in Lumberton is $152,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Robeson County it is $94,500.

How much does it cost to rent in Lumberton?

Typical rent in Lumberton is $866 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Robeson County is $1,012.

What is the FHA loan limit in Lumberton?

Lumberton uses the FHA limit for all of Robeson 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 Lumberton?

The typical homeowner in Lumberton pays $1,471 a year, according to the U.S. Census Bureau. That is 0.96% of the home’s value; in Robeson County, the rate is 0.87%.

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

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