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City · 6,068 residents · Davie County, North Carolina

Mocksville , North Carolina

In Mocksville, a typical home is worth $240,700 and typical rent is $892 a month. Compared with all of Davie County, typical household income is 26% lower, the typical home value is 5% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $240,700

    5% below the county

    17% below North Carolina

    • Mocksville
    • Davie
    • North Carolina

  • Typical rent

    $892a month

    3% above the county

    27% below North Carolina

    • Mocksville
    • Davie
    • North Carolina

  • Typical household income

    $55,367a year

    26% below the county

    24% below North Carolina

    • Mocksville
    • Davie
    • North Carolina

  • Households that own their home

    62%

    20 points below the county

    5 points below North Carolina

    • Mocksville
    • Davie
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$282,655
3.7% more than 12 months ago

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

Mocksville is in Davie 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 Davie County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mocksville apart

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

  1. 62% of households in Mocksville own their home, against 82% in Davie County.

  2. Nearby, in Lexington, the typical home value is $179,900: 25% less than in Mocksville ($240,700).

  3. The typical household income in Mocksville is $55,367, 26% less than in Davie County as a whole ($75,057).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Mocksville rose 3.7%; in North Carolina, it barely changed.

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

The homes here

Housing in Mocksville

What homes there are in Mocksville, 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 Mocksville, 7 in 10 homes are single-family detached houses; in Davie County, 7.

Year built

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

$1,300 a month

Davie County: $1,489 a month

Without a mortgage

$536 a month

Davie County: $437 a month

Owners with a mortgage

72%

Davie County: 57%

The typical cost for an owner with a mortgage in Mocksville is $1,300 a month, less than in Davie County ($1,489); without one, $536.

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

Since 2015–2019, homes in Mocksville gained value faster than in Davie County: 71% against 47%.

The typical rent in Mocksville rose 34% over the same time; in Davie County, it rose 17%.

The typical household income in Mocksville rose 29%: less than home values (+71%) and rent (+34%).

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

MeasureMocksvilleDavie 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 Unreliable estimate1.0%2.2%3.4%
People per household 2.542.532.442.53
Drive alone 87%79%72%69%
Carpool Unreliable estimate11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate9%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Mocksville has 2.54 people on average, about the same as in Davie County (2.53).

To get to work, 87% of workers in Mocksville drive alone; in Davie County, 79%.

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 Mocksville?

A typical home costs more than the typical income allows

We start with a typical home in Mocksville, worth $240,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Mocksville, which is $55,367 a year. For that payment to be 28% of income, a household would need to earn about $82,463 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Mocksville. 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 $8,425 (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

$1,924

at 7.18% · 30 years

Loan amount
$236,340
Total interest
$340,038
Paid off in
November 2056

Includes $4,065 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,292 a month

  • Tight

    $1,292 to $1,661 a month

  • Hard

    more than $1,661 a month

    Your payment · 42%

Compared with the typical household income in Mocksville ($55,367 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,924
Principal & interest$1,601
Property tax$116
Home insurance$100
FHA mortgage insurance (MIP)$106

You need at least $8,425 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

Mocksville and Davie County

Mocksville is in Davie 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).

Mocksville's own numbers

Typical home value
$240,700
Typical monthly rent
$892
Typical yearly household income
$55,367
Households that own their home
62%
Effective property tax rate
0.58%

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

Numbers for all of Davie County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,332
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
0.2%

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 Davie County.

Everything about Davie County

Buying

Buying a home in Mocksville

A typical home in Mocksville is worth $240,700: 5% below the county and 17% below North Carolina. With the typical household income in Mocksville ($55,367 a year), a typical home costs 4.3 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.

  • Mocksville 4.3 years
  • Davie 3.4 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Davie County

According to FHFA’s house price index, home prices in Davie County rose 88% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +5.1% +2.5% +2.9%
5 years (2020–2025) +58% +60% +47%
10 years (2015–2025) +88% +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

Mocksville next to Davie 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
  • Mocksville $240,700
  • Davie $253,900
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Mocksville $892
  • Davie $867
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Mocksville $55,367
  • Davie $75,057
  • North Carolina $72,388
  • United States $80,734
See the full table
Mocksville next to Davie County and North Carolina
Measure Mocksville Davie County North Carolina U.S.
Typical home value $240,700 $253,900 $288,900 $332,700
Typical monthly rent $892 $867 $1,228 $1,413
Typical yearly household income $55,367 $75,057 $72,388 $80,734
Households that own their home 62% 82% 67% 65%
Typical yearly property tax $1,395 $1,595 $1,896 $3,119
Effective property tax rate 0.58% 0.63% 0.66% 0.94%
Renters with high rent for their income 56% 45% 49% 51%

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

For a typical $240,700 home in Mocksville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mocksville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,924a month

    Least cash to close
    Down payment
    $8,425
    Cash to close
    $15,646
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $106

  • Conventional, 5% down $1,880a month

    Down payment
    $12,035
    Cash to close
    $19,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $114

  • Conventional, 20% down, no PMI $1,521a month

    Down payment
    $48,140
    Cash to close
    $55,361
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,744a month

    Down payment
    $36,105
    Cash to close
    $43,326
    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 Mocksville and for Davie County.

Property tax

Effective rate in Mocksville

0.58%of the home’s value each year

$1,395 a year for the typical owner in Mocksville.

  • Mocksville 0.58%
  • Davie 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 Davie County

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

Homes in the high-risk zone
0.2%
43
Of those, with NFIP insurance
44%
County North Carolina U.S.
Homes in the high-risk zone 0.2% 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 Mocksville

Typical rent in Mocksville is $892 a month: 3% above the county. In Mocksville, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Davie County, by unit size. To pay the 2-bedroom one ($1,332 a month) without spending more than 30% of your income, you would need to earn $25.62 an hour working full time.

HUD fair market rent for all of Davie 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 $1,079 $20.75 $43,160
1 bedroom $1,224 $23.54 $48,960
2 bedrooms $1,332 $25.62 $53,280
3 bedrooms $1,754 $33.73 $70,160
4 bedrooms $2,135 $41.06 $85,400

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 Mocksville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mocksville is in ZIP code 27028.

For 2 bedrooms it is $1,090: $242 less than the fair market rent for Davie County ($1,332).

  • 27028 $1,090$1,440

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

HUD lists 9 buildings with rents for lower incomes in Mocksville. These are the largest.

  • Mocksville Pointe Apartments 115 Pointe House Ln, Mocksville 27028 66 low-income homes · 1 bd: 12 · 2 bd: 36 · 3 bd: 18 · In service since 2019 · For families
  • Camden Pointe Apartments 123 Camden Point Ct, Mocksville 27028 60 low-income homes · 2 bd: 42 · 3 bd: 18 · In service since 2016 · For families
  • Rowan Pointe 127 Wilhaven Dr, Mocksville 27028 60 low-income homes · 1 bd: 12 · 2 bd: 24 · 3 bd: 24 · In service since 2010 · For families
  • Cooper Creek Heights Morning Glory Circle, Mocksville 27028 56 low-income homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 24 · In service since 2014 · For families
  • Willow Pond 891 Yadkinville Rd, Mocksville 27028 50 low-income homes · 1 bd: 32 · 2 bd: 18 · In service since 2014 · For older adults

See all 10 buildings in Davie County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mocksville

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Mocksville

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

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

  • Credit.org - North Carolina Branch

    615 Saint George Square Ct, Winston Salem · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Home Solutions

    21 W 2nd St, Lexington · 18 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (336) 236-1675

  • CCCS of Greater Greensboro

    21 W. 2nd Street, Lexington · 18 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (336) 373-8882

All counseling agencies in North Carolina

Help in Spanish near Mocksville

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 Mocksville

HUD lists no housing authority with an office in Davie County. One in a neighboring county or the state’s may serve the area.

All housing agencies in North Carolina Source: HUD

Cities

Nearby cities

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

Everything about Davie County Housing in North Carolina

Neighboring counties

If Davie 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 Mocksville.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Mocksville

Short answers with the numbers for Mocksville and all of Davie 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 Mocksville?

The typical home value in Mocksville is $240,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Davie County it is $253,900.

How much does it cost to rent in Mocksville?

Typical rent in Mocksville is $892 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Davie County is $1,332.

What is the FHA loan limit in Mocksville?

Mocksville uses the FHA limit for all of Davie 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 Mocksville?

The typical homeowner in Mocksville pays $1,395 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Davie County, the rate is 0.63%.

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

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