Español

Este sitio también está en español. Leer en español

City · 5,684 residents · Currituck County, North Carolina

Moyock , North Carolina

In Moyock, a typical home is worth $405,100 and typical rent is $1,710 a month. Compared with all of Currituck County, typical rent is 47% higher, typical household income is 23% higher, and the share of households that own their home is 8 points higher.

WhatsApp

  • Typical home value

    $405,100

    7% above the county

    40% above North Carolina

    • Moyock
    • Currituck
    • North Carolina

  • Typical rent

    $1,710a month

    47% above the county

    39% above North Carolina

    • Moyock
    • Currituck
    • North Carolina

  • Typical household income

    $115,244a year

    23% above the county

    59% above North Carolina

    • Moyock
    • Currituck
    • North Carolina

  • Households that own their home

    95%

    8 points above the county

    29 points above North Carolina

    • Moyock
    • Currituck
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$497,461
1.7% more than 12 months ago

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

Moyock is in Currituck County. The FHA loan limit ($757,850 for a one-unit home), the fair market rents and the help on this page are those of all of Currituck County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Moyock apart

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

  1. Nearby, in Williamston, the typical rent is $684: 60% less than in Moyock ($1,710).

  2. Nearby, in Williamston, the typical home value is $107,100: 74% less than in Moyock ($405,100).

  3. Moyock has the 6th highest homeownership rate of the 166 cities in North Carolina with more than 5,000 people (95%).

  4. The typical rent in Moyock is $1,710 a month, 47% more than in Currituck County as a whole ($1,162).

  5. The typical household income in Moyock is $115,244, 23% more than in Currituck County as a whole ($93,511).

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

The homes here

Housing in Moyock

What homes there are in Moyock, 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 Moyock, 9 in 10 homes are single-family detached houses; in Currituck County, 9.

Year built

The typical home in Moyock was built in 2004, 6 years after the typical one in Currituck County.

There is more room for a big family here: 93% of homes have 3 bedrooms or more, against 87% in Currituck County.

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

$2,075 a month

Currituck County: $1,944 a month

Without a mortgage

$460 a month

Currituck County: $523 a month

Owners with a mortgage

78%

Currituck County: 73%

In Moyock, 78% of owners have a mortgage, and their typical cost is $2,075 a month, against $1,944 in Currituck County. Without one it drops to $460.

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

Much as in Currituck County, the typical home value in Moyock rose 46% since 2015–2019.

Since 2015–2019, the typical rent in Moyock did not change clearly, according to the Census.

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

MeasureMoyockCurrituck CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate51.5%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.2%3.4%
People per household 2.652.582.442.53
Drive alone 80%79%72%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 12%9%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Moyock has 2.65 people on average, about the same as in Currituck County (2.58).

In Moyock, 80% of workers drive alone to work; in Currituck 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 Moyock?

A typical home is tight for the typical income

We start with a typical home in Moyock, worth $405,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Moyock, which is $115,244 a year. For that payment to be 28% of income, a household would need to earn about $137,195 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Moyock. 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 $14,179 (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

$3,201

at 7.18% · 30 years

Loan amount
$397,762
Total interest
$572,286
Paid off in
November 2056

Includes $6,841 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,689 a month

  • Tight

    $2,689 to $3,457 a month

    Your payment · 33%

  • Hard

    more than $3,457 a month

Compared with the typical household income in Moyock ($115,244 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,201
Principal & interest$2,695
Property tax$159
Home insurance$169
FHA mortgage insurance (MIP)$179

You need at least $14,179 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

Moyock and Currituck County

Moyock is in Currituck 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).

Moyock's own numbers

Typical home value
$405,100
Typical monthly rent
$1,710
Typical yearly household income
$115,244
Households that own their home
95%
Effective property tax rate
0.47%

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

Numbers for all of Currituck County

FHA limit, one-unit home
$757,850
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,667
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
10%

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 Currituck County.

Everything about Currituck County

Buying

Buying a home in Moyock

A typical home in Moyock is worth $405,100: 7% above the county and 40% above North Carolina. With the typical household income in Moyock ($115,244 a year), a typical home costs 3.5 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.

  • Moyock 3.5 years
  • Currituck 4.1 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Currituck County

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

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

Period County North Carolina U.S.
Last year (2025) +3.7% +2.5% +2.9%
5 years (2020–2025) +63% +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

Moyock next to Currituck 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
  • Moyock $405,100
  • Currituck $378,800
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Moyock $1,710
  • Currituck $1,162
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Moyock $115,244
  • Currituck $93,511
  • North Carolina $72,388
  • United States $80,734
See the full table
Moyock next to Currituck County and North Carolina
Measure Moyock Currituck County North Carolina U.S.
Typical home value $405,100 $378,800 $288,900 $332,700
Typical monthly rent $1,710 $1,162 $1,228 $1,413
Typical yearly household income $115,244 $93,511 $72,388 $80,734
Households that own their home 95% 87% 67% 65%
Typical yearly property tax $1,892 $1,760 $1,896 $3,119
Effective property tax rate 0.47% 0.46% 0.66% 0.94%

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

For a typical $405,100 home in Moyock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moyock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,201a month

    Least cash to close
    Down payment
    $14,179
    Cash to close
    $26,332
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $179

  • Conventional, 5% down $3,127a month

    Down payment
    $20,255
    Cash to close
    $32,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $192

  • Conventional, 20% down, no PMI $2,523a month

    Down payment
    $81,020
    Cash to close
    $93,173
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,897a month

    Down payment
    $60,765
    Cash to close
    $72,918
    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 Moyock and for Currituck County.

Property tax

Effective rate in Moyock

0.47%of the home’s value each year

$1,892 a year for the typical owner in Moyock.

  • Moyock 0.47%
  • Currituck 0.46%
  • 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 Currituck County

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

Homes in the high-risk zone
10%
1,618
Of those, with NFIP insurance
59%
County North Carolina U.S.
Homes in the high-risk zone 10% 2.8% 3.5%
Of those, with NFIP insurance 59% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Moyock

Typical rent in Moyock is $1,710 a month: 47% above the county.

HUD publishes a fair market rent for all of Currituck County, by unit size. To pay the 2-bedroom one ($1,667 a month) without spending more than 30% of your income, you would need to earn $32.06 an hour working full time.

HUD fair market rent for all of Currituck 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 $1,470 $28.27 $58,800
1 bedroom $1,488 $28.62 $59,520
2 bedrooms $1,667 $32.06 $66,680
3 bedrooms $2,298 $44.19 $91,920
4 bedrooms $2,710 $52.12 $108,400

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 Moyock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moyock is in ZIP code 27958.

For 2 bedrooms it is $1,780: $113 more than the fair market rent for Currituck County ($1,667).

  • 27958 $1,780$2,450

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

Free help

Help to buy or rent in Moyock

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Moyock

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

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

  • Choanoke Area Development Association of Nc, Inc.

    120 Sessoms Dr, Rich Square · 63 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (252) 539-4155

  • Housing Authority of the City of Rocky Mount, NC

    901 Authority Dr, Rocky Mount · 96 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (252) 977-3141

  • Wilson Community Improvement Association, Inc.

    504 Green St E, Wilson · 111 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    252-243-4855x214

All counseling agencies in North Carolina

Help in Spanish near Moyock

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 Moyock

HUD lists no housing authority with an office in Currituck 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 Moyock, with the typical home value.

Everything about Currituck County Housing in North Carolina

Neighboring counties

If Currituck 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 Moyock.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Moyock

Short answers with the numbers for Moyock and all of Currituck 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 Moyock?

The typical home value in Moyock is $405,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Currituck County it is $378,800.

How much does it cost to rent in Moyock?

Typical rent in Moyock is $1,710 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Currituck County is $1,667.

What is the FHA loan limit in Moyock?

Moyock uses the FHA limit for all of Currituck County (2026): $757,850 for a one-unit home and $1,457,450 for a four-unit home.

How much property tax do owners pay in Moyock?

The typical homeowner in Moyock pays $1,892 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in Currituck County, the rate is 0.46%.

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

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