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City · 7,744 residents · Guilford County, North Carolina

Oak Ridge , North Carolina

In Oak Ridge, a typical home is worth $529,300. Compared with all of Guilford County, typical household income is 126% higher, the typical home value is 104% higher, and the share of households that own their home is 32 points higher.

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  • Typical home value

    $529,300

    104% above the county

    83% above North Carolina

    • Oak Ridge
    • Guilford
    • North Carolina

  • Typical household income

    $155,385a year

    126% above the county

    115% above North Carolina

    • Oak Ridge
    • Guilford
    • North Carolina

  • Households that own their home

    92%

    32 points above the county

    26 points above North Carolina

    • Oak Ridge
    • Guilford
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$604,697
0.7% more than 12 months ago

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

Oak Ridge is in Guilford 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 Guilford County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oak Ridge apart

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

  1. 92% of households in Oak Ridge own their home, against 60% in Guilford County.

  2. The typical household income in Oak Ridge is $155,385, 126% more than in Guilford County as a whole ($68,642).

  3. The typical home in Oak Ridge is worth $529,300, 104% more than in Guilford County as a whole ($259,900).

  4. Nearby, in Walkertown, the typical home value is $236,900: 55% less than in Oak Ridge ($529,300).

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

The homes here

Housing in Oak Ridge

What homes there are in Oak Ridge, 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 Oak Ridge, 10 in 10 homes are single-family detached houses; in Guilford County, 6.

Year built

Here half of the homes date from 1997 or later; in Guilford County, from 1987 or later.

Homes in Oak Ridge are bigger: 94% have 3 bedrooms or more; in Guilford County, 62%.

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

$2,393 a month

Guilford County: $1,536 a month

Without a mortgage

$600 a month

Guilford County: $515 a month

Owners with a mortgage

73%

Guilford County: 65%

The typical cost for an owner with a mortgage in Oak Ridge is $2,393 a month, more than in Guilford County ($1,536); without one, $600.

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 Oak Ridge rose 38% since 2015–2019, less than in Guilford County (56%).

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

MeasureOak RidgeGuilford CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate6.2%7.1%5.5%
Homeowner vacancy Unreliable estimate1.0%1.3%0.9%
More than one person per room Unreliable estimate2.6%2.2%3.4%
People per household 2.942.382.442.53
Drive alone 62%73%72%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 29%14%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Oak Ridge has 2.94 people, more than in Guilford County (2.38).

In Oak Ridge, 29% of workers work from home, more than in Guilford County (14%).

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 Oak Ridge?

A typical home is tight for the typical income

We start with a typical home in Oak Ridge, worth $529,300, 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 Oak Ridge, which is $155,385 a year. For that payment to be 28% of income, a household would need to earn about $182,093 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oak Ridge. 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 $18,526 (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

$4,249

at 7.18% · 30 years

Loan amount
$519,713
Total interest
$747,744
Paid off in
November 2056

Includes $8,939 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,626 a month

  • Tight

    $3,626 to $4,662 a month

    Your payment · 33%

  • Hard

    more than $4,662 a month

Compared with the typical household income in Oak Ridge ($155,385 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,249
Principal & interest$3,521
Property tax$274
Home insurance$221
FHA mortgage insurance (MIP)$234

You need at least $18,526 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

Oak Ridge and Guilford County

Oak Ridge is in Guilford 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).

Oak Ridge's own numbers

Typical home value
$529,300
Typical yearly household income
$155,385
Households that own their home
92%
Effective property tax rate
0.62%

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

Numbers for all of Guilford County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,271
Price change over 5 years (FHFA)
+61%
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 Guilford County.

Everything about Guilford County

Buying

Buying a home in Oak Ridge

A typical home in Oak Ridge is worth $529,300: 104% above the county and 83% above North Carolina. With the typical household income in Oak Ridge ($155,385 a year), a typical home costs 3.4 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.

  • Oak Ridge 3.4 years
  • Guilford 3.8 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Guilford County

According to FHFA’s house price index, home prices in Guilford County rose 98% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +3.2% +2.5% +2.9%
5 years (2020–2025) +61% +60% +47%
10 years (2015–2025) +98% +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

Oak Ridge next to Guilford 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
  • Oak Ridge $529,300
  • Guilford $259,900
  • North Carolina $288,900
  • United States $332,700
Typical yearly household income
  • Oak Ridge $155,385
  • Guilford $68,642
  • North Carolina $72,388
  • United States $80,734
See the full table
Oak Ridge next to Guilford County and North Carolina
Measure Oak Ridge Guilford County North Carolina U.S.
Typical home value $529,300 $259,900 $288,900 $332,700
Typical yearly household income $155,385 $68,642 $72,388 $80,734
Households that own their home 92% 60% 67% 65%
Typical yearly property tax $3,294 $2,174 $1,896 $3,119
Effective property tax rate 0.62% 0.84% 0.66% 0.94%

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

For a typical $529,300 home in Oak Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oak Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,249a month

    Least cash to close
    Down payment
    $18,526
    Cash to close
    $34,405
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $234

  • Conventional, 5% down $4,152a month

    Down payment
    $26,465
    Cash to close
    $42,344
    Rate
    7.18%
    Mortgage insurance
    PMI · $251

  • Conventional, 20% down, no PMI $3,363a month

    Down payment
    $105,860
    Cash to close
    $121,739
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,852a month

    Down payment
    $79,395
    Cash to close
    $95,274
    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 Oak Ridge and for Guilford County.

Property tax

Effective rate in Oak Ridge

0.62%of the home’s value each year

$3,294 a year for the typical owner in Oak Ridge.

  • Oak Ridge 0.62%
  • Guilford 0.84%
  • 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 Guilford County

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

Homes in the high-risk zone
0.5%
843
Of those, with NFIP insurance
40%
County North Carolina U.S.
Homes in the high-risk zone 0.5% 2.8% 3.5%
Of those, with NFIP insurance 40% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oak Ridge

The Census Bureau publishes no typical rent for Oak Ridge. Below are the fair market rents for Guilford County.

HUD publishes a fair market rent for all of Guilford County, by unit size. To pay the 2-bedroom one ($1,271 a month) without spending more than 30% of your income, you would need to earn $24.44 an hour working full time.

HUD fair market rent for all of Guilford 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 $1,121 $21.56 $44,840
1 bedroom $1,168 $22.46 $46,720
2 bedrooms $1,271 $24.44 $50,840
3 bedrooms $1,644 $31.62 $65,760
4 bedrooms $1,932 $37.15 $77,280

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 Oak Ridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oak Ridge is in ZIP code 27310.

For 2 bedrooms it is $1,460: $189 more than the fair market rent for Guilford County ($1,271).

  • 27310 $1,460$1,900

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

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 are 7 HUD-approved agencies with an office in Guilford County; 1 says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Oak Ridge

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

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

  • Housing Authority of the City of Greensboro D/B/A Greensboro Housing Authority

    450 N Church St, Greensboro · 13 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (336) 303-3059

  • Housing Foundation of America, Greensboro Branch

    122 N Elm St Ste 525, Greensboro · 13 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (800) 579-4119

  • Greensboro Housing Coalition

    1031 Summit Ave, Greensboro · 13 miles away

    • Budget and financial counseling
    • Homelessness services
    • and 2 more
    (336) 691-9521

Every agency in Guilford County All counseling agencies in North Carolina

Help in Spanish near Oak Ridge

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 Oak Ridge

In HUD’s record, no housing authority with an office in Guilford County is named for Oak Ridge or Guilford County.

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

Cities

Other cities in Guilford County

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

Everything about Guilford County Housing in North Carolina

Nearby cities

The cities closest to Oak Ridge, with the typical home value.

Neighboring counties

If Guilford 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 Oak Ridge.

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

Questions

Housing questions about Oak Ridge

Short answers with the numbers for Oak Ridge and all of Guilford 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 Oak Ridge?

The typical home value in Oak Ridge is $529,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Guilford County it is $259,900.

What is the FHA loan limit in Oak Ridge?

Oak Ridge uses the FHA limit for all of Guilford 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 Oak Ridge?

The typical homeowner in Oak Ridge pays $3,294 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Guilford County, the rate is 0.84%.

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

There are 7 HUD-approved counseling agencies with an office in Guilford 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).