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City · 13,333 residents · Catawba County, North Carolina

Newton , North Carolina

In Newton, a typical home is worth $186,300 and typical rent is $1,091 a month. Compared with all of Catawba County, the typical home value is 23% lower and typical rent is 13% higher.

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  • Typical home value

    $186,300

    23% below the county

    36% below North Carolina

    • Newton
    • Catawba
    • North Carolina

  • Typical rent

    $1,091a month

    13% above the county

    11% below North Carolina

    • Newton
    • Catawba
    • North Carolina

  • Typical household income

    $62,015a year

    9% below the county

    14% below North Carolina

    • Newton
    • Catawba
    • North Carolina

  • Households that own their home

    73%

    About the same as the county

    6 points above North Carolina

    • Newton
    • Catawba
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$257,367
1.4% more than 12 months ago
Typical rent
$1,348 a month

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

Newton is in Catawba 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 Catawba County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Newton apart

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

  1. Nearby, in Long View, the typical rent is $794: 27% less than in Newton ($1,091).

  2. The typical home in Newton is worth $186,300, 23% less than in Catawba County as a whole ($241,600).

  3. Nearby, in Long View, the typical home value is $157,300: 16% less than in Newton ($186,300).

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

The homes here

Housing in Newton

What homes there are in Newton, 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 houses, standing on their own, make up 77% of homes here, against 69% in Catawba County.

Year built

Homes in Newton are older: the typical year built is 1977; in Catawba County, 1985.

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 94% of owner-occupied homes in Newton sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,175 a month

Catawba County: $1,343 a month

Without a mortgage

$495 a month

Catawba County: $404 a month

Owners with a mortgage

55%

Catawba County: 59%

In Newton, 55% of owners have a mortgage, and their typical cost is $1,175 a month, against $1,343 in Catawba County. Without one it drops to $495.

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 Catawba County, the typical home value in Newton rose 69% since 2015–2019.

Rents in Newton rose faster than in Catawba County: 45% since 2015–2019, against 31%.

Here income did not keep up with housing: it rose 35%, while home values changed +69% and rent +45%.

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

MeasureNewtonCatawba CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate6.6%7.1%5.5%
Homeowner vacancy Unreliable estimate1.6%1.3%0.9%
More than one person per room Unreliable estimate2.3%2.2%3.4%
People per household 2.442.432.442.53
Drive alone 79%80%72%69%
Carpool 14%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 6%8%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Newton has 2.44 people on average, about the same as in Catawba County (2.43).

Carpooling is common in Newton: 14% of workers get to work that way, against 11% in Catawba County.

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 Newton?

A typical home is tight for the typical income

We start with a typical home in Newton, worth $186,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Newton, which is $62,015 a year. For that payment to be 28% of income, a household would need to earn about $65,223 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Newton. 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 $6,521 (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

$1,522

at 7.18% · 30 years

Loan amount
$182,925
Total interest
$263,186
Paid off in
November 2056

Includes $3,146 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,447 a month

  • Tight

    $1,447 to $1,860 a month

    Your payment · 29%

  • Hard

    more than $1,860 a month

Compared with the typical household income in Newton ($62,015 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,522
Principal & interest$1,239
Property tax$123
Home insurance$78
FHA mortgage insurance (MIP)$82

You need at least $6,521 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

Newton and Catawba County

Newton is in Catawba 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).

Newton's own numbers

Typical home value
$186,300
Typical monthly rent
$1,091
Typical yearly household income
$62,015
Households that own their home
73%
Effective property tax rate
0.79%

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

Numbers for all of Catawba County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,147
Price change over 5 years (FHFA)
+64%
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 Catawba County.

Everything about Catawba County

Buying

Buying a home in Newton

A typical home in Newton is worth $186,300: 23% below the county and 36% below North Carolina. With the typical household income in Newton ($62,015 a year), a typical home costs 3.0 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.

  • Newton 3.0 years
  • Catawba 3.6 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Catawba County

According to FHFA’s house price index, home prices in Catawba County rose 111% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +2.5% +2.5% +2.9%
5 years (2020–2025) +64% +60% +47%
10 years (2015–2025) +111% +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

Newton next to Catawba 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
  • Newton $186,300
  • Catawba $241,600
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Newton $1,091
  • Catawba $965
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Newton $62,015
  • Catawba $67,864
  • North Carolina $72,388
  • United States $80,734
See the full table
Newton next to Catawba County and North Carolina
Measure Newton Catawba County North Carolina U.S.
Typical home value $186,300 $241,600 $288,900 $332,700
Typical monthly rent $1,091 $965 $1,228 $1,413
Typical yearly household income $62,015 $67,864 $72,388 $80,734
Households that own their home 73% 72% 67% 65%
Typical yearly property tax $1,473 $1,407 $1,896 $3,119
Effective property tax rate 0.79% 0.58% 0.66% 0.94%
Renters with high rent for their income 45% 41% 49% 51%

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

For a typical $186,300 home in Newton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Newton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,522a month

    Least cash to close
    Down payment
    $6,521
    Cash to close
    $12,110
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $82

  • Conventional, 5% down $1,488a month

    Down payment
    $9,315
    Cash to close
    $14,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $88

  • Conventional, 20% down, no PMI $1,210a month

    Down payment
    $37,260
    Cash to close
    $42,849
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,382a month

    Down payment
    $27,945
    Cash to close
    $33,534
    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 Newton and for Catawba County.

Property tax

Effective rate in Newton

0.79%of the home’s value each year

$1,473 a year for the typical owner in Newton.

  • Newton 0.79%
  • Catawba 0.58%
  • 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 Catawba County

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

Homes in the high-risk zone
0.5%
293
Of those, with NFIP insurance
31%
County North Carolina U.S.
Homes in the high-risk zone 0.5% 2.8% 3.5%
Of those, with NFIP insurance 31% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Newton

Typical rent in Newton is $1,091 a month: 13% above the county. In Newton, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Catawba County, by unit size. To pay the 2-bedroom one ($1,147 a month) without spending more than 30% of your income, you would need to earn $22.06 an hour working full time.

HUD fair market rent for all of Catawba 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 $961 $18.48 $38,440
1 bedroom $965 $18.56 $38,600
2 bedrooms $1,147 $22.06 $45,880
3 bedrooms $1,399 $26.90 $55,960
4 bedrooms $1,707 $32.83 $68,280

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 Newton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Newton is in ZIP code 28658.

For 2 bedrooms it is $1,260: $113 more than the fair market rent for Catawba County ($1,147).

  • 28658 $1,260$1,540

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

HUD lists 5 buildings with rents for lower incomes in Newton. These are the largest.

  • Catawba Pines Apartments 815 E 1st St, Newton 28658 68 low-income homes · 1 bd: 10 · 2 bd: 32 · 3 bd: 18 · 4 bd: 8 · For families
  • Catawba Pines Apartments 815F E 1st St, Newton 28658 68 low-income homes · For families (828) 464-6493
  • Heritage Village Apartments 2693 Old Conover Startown Rd, Newton 28658 67 low-income homes · For older adults (828) 464-5924
  • Bradbury Apartments 2901 Old Conover Startown Rd, Newton 28658 40 low-income homes · 1 bd: 8 · 2 bd: 20 · 3 bd: 12 · In service since 2006 · For people with disabilities, families, people experiencing homelessness
  • Cac of Catawba Co. 2001O Eastside Dr, Newton 28658 10 low-income homes · For people with disabilities (828) 464-4295

See all 28 buildings in Catawba County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Newton

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 is 1 HUD-approved agency with an office in Catawba County; 1 says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Newton

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

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

  • Western Piedmont Council of Governments

    1880 2nd Ave NW, Hickory · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (828) 322-9191

  • Ada Jenkins Families and Careers Development Center, Inc.

    212 Gamble St, Davidson · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (704) 896-0471

  • The Safeguard Group - Housing & Debt Advisors

    240 N Main St, Mooresville · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    800-673-6993-146

Every agency in Catawba County All counseling agencies in North Carolina

Help in Spanish near Newton

3 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 Newton

In HUD’s record, no housing authority with an office in Catawba County is named for Newton or Catawba County.

2 other authorities have an office in Catawba County: see the list Source: HUD

Cities

Other cities in Catawba County

These cities are also in Catawba County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Catawba County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Catawba 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 Newton.

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

Questions

Housing questions about Newton

Short answers with the numbers for Newton and all of Catawba 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 Newton?

The typical home value in Newton is $186,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Catawba County it is $241,600.

How much does it cost to rent in Newton?

Typical rent in Newton is $1,091 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Catawba County is $1,147.

What is the FHA loan limit in Newton?

Newton uses the FHA limit for all of Catawba 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 Newton?

The typical homeowner in Newton pays $1,473 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Catawba County, the rate is 0.58%.

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

There is 1 HUD-approved counseling agency with an office in Catawba County. 1 says it serves in Spanish. 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).