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City · 8,249 residents · New Hanover County, North Carolina

Ogden , North Carolina

In Ogden, a typical home is worth $463,700 and typical rent is $2,867 a month. Compared with all of New Hanover County, typical rent is 102% higher, typical household income is 61% higher, and the share of households that own their home is 27 points higher.

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  • Typical home value

    $463,700

    20% above the county

    61% above North Carolina

    • Ogden
    • New Hanover
    • North Carolina

  • Typical rent

    $2,867a month

    102% above the county

    133% above North Carolina

    • Ogden
    • New Hanover
    • North Carolina

  • Typical household income

    $121,338a year

    61% above the county

    68% above North Carolina

    • Ogden
    • New Hanover
    • North Carolina

  • Households that own their home

    89%

    27 points above the county

    22 points above North Carolina

    • Ogden
    • New Hanover
    • North Carolina

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

Ogden is in New Hanover 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 New Hanover County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ogden apart

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

  1. Ogden has the 2nd highest typical rent of the 154 cities in North Carolina with more than 5,000 people ($2,867).

  2. 89% of households in Ogden own their home, against 61% in New Hanover County.

  3. The typical household income in Ogden is $121,338, 61% more than in New Hanover County as a whole ($75,166).

  4. Nearby, in Kings Grant, the typical rent is $1,292: 55% less than in Ogden ($2,867).

  5. Nearby, in Kings Grant, the typical home value is $300,700: 35% less than in Ogden ($463,700).

  6. Ogden has the 7th largest share of rent-burdened renters of the 136 cities in North Carolina with more than 5,000 people (72%).

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

The homes here

Housing in Ogden

What homes there are in Ogden, 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 Ogden, 9 in 10 homes are single-family detached houses; in New Hanover County, 6.

Year built

The typical year built in Ogden is 1995, about the same as in New Hanover County (1993).

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

$2,084 a month

New Hanover County: $1,888 a month

Without a mortgage

$823 a month

New Hanover County: $658 a month

Owners with a mortgage

76%

New Hanover County: 67%

Owning costs more in Ogden: with a mortgage, the typical cost is $2,084 a month; in New Hanover County, $1,888. Without one, $823.

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

From 2015–2019 to 2020–2024, the typical home value in Ogden rose 40%; in New Hanover County, it rose 59%.

Rents in Ogden rose faster than in New Hanover County: 152% since 2015–2019, against 37%.

Here income did not keep up with housing: it rose 27%, while home values changed +40% and rent +152%.

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

MeasureOgdenNew Hanover CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate7.4%7.1%5.5%
Homeowner vacancy Unreliable estimate1.1%1.3%0.9%
More than one person per room Unreliable estimate1.3%2.2%3.4%
People per household 2.522.192.442.53
Drive alone 67%71%72%69%
Carpool Unreliable estimate6%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 28%19%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Ogden are bigger: 2.52 people on average; in New Hanover County, 2.19.

In Ogden, 28% of workers work from home, more than in New Hanover County (19%).

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 Ogden?

A typical home costs more than the typical income allows

We start with a typical home in Ogden, worth $463,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Ogden, which is $121,338 a year. For that payment to be 28% of income, a household would need to earn about $157,869 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ogden. 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 $16,230 (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

$3,684

at 7.18% · 30 years

Loan amount
$455,301
Total interest
$655,071
Paid off in
November 2056

Includes $7,831 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,831 a month

  • Tight

    $2,831 to $3,640 a month

  • Hard

    more than $3,640 a month

    Your payment · 36%

Compared with the typical household income in Ogden ($121,338 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,684
Principal & interest$3,084
Property tax$201
Home insurance$193
FHA mortgage insurance (MIP)$205

You need at least $16,230 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

Ogden and New Hanover County

Ogden is in New Hanover 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).

Ogden's own numbers

Typical home value
$463,700
Typical monthly rent
$2,867
Typical yearly household income
$121,338
Households that own their home
89%
Effective property tax rate
0.52%

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

Numbers for all of New Hanover County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,705
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
11%

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 New Hanover County.

Everything about New Hanover County

Buying

Buying a home in Ogden

A typical home in Ogden is worth $463,700: 20% above the county and 61% above North Carolina. With the typical household income in Ogden ($121,338 a year), a typical home costs 3.8 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.

  • Ogden 3.8 years
  • New Hanover 5.2 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in New Hanover County

According to FHFA’s house price index, home prices in New Hanover County rose 127% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +4.7% +2.5% +2.9%
5 years (2020–2025) +69% +60% +47%
10 years (2015–2025) +127% +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

Ogden next to New Hanover 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
  • Ogden $463,700
  • New Hanover $387,800
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Ogden $2,867
  • New Hanover $1,417
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Ogden $121,338
  • New Hanover $75,166
  • North Carolina $72,388
  • United States $80,734
See the full table
Ogden next to New Hanover County and North Carolina
Measure Ogden New Hanover County North Carolina U.S.
Typical home value $463,700 $387,800 $288,900 $332,700
Typical monthly rent $2,867 $1,417 $1,228 $1,413
Typical yearly household income $121,338 $75,166 $72,388 $80,734
Households that own their home 89% 61% 67% 65%
Typical yearly property tax $2,416 $2,105 $1,896 $3,119
Effective property tax rate 0.52% 0.54% 0.66% 0.94%
Renters with high rent for their income 72% 55% 49% 51%

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

For a typical $463,700 home in Ogden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ogden's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,684a month

    Least cash to close
    Down payment
    $16,230
    Cash to close
    $30,141
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $205

  • Conventional, 5% down $3,599a month

    Down payment
    $23,185
    Cash to close
    $37,096
    Rate
    7.18%
    Mortgage insurance
    PMI · $220

  • Conventional, 20% down, no PMI $2,907a month

    Down payment
    $92,740
    Cash to close
    $106,651
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,336a month

    Down payment
    $69,555
    Cash to close
    $83,466
    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 Ogden and for New Hanover County.

Property tax

Effective rate in Ogden

0.52%of the home’s value each year

$2,416 a year for the typical owner in Ogden.

  • Ogden 0.52%
  • New Hanover 0.54%
  • 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 New Hanover County

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

Homes in the high-risk zone
11%
9,484
Of those, with NFIP insurance
75%
County North Carolina U.S.
Homes in the high-risk zone 11% 2.8% 3.5%
Of those, with NFIP insurance 75% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ogden

Typical rent in Ogden is $2,867 a month: 102% above the county. In Ogden, 72% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of New Hanover County, by unit size. To pay the 2-bedroom one ($1,705 a month) without spending more than 30% of your income, you would need to earn $32.79 an hour working full time.

HUD fair market rent for all of New Hanover 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 $1,187 $22.83 $47,480
1 bedroom $1,566 $30.12 $62,640
2 bedrooms $1,705 $32.79 $68,200
3 bedrooms $2,238 $43.04 $89,520
4 bedrooms $2,241 $43.10 $89,640

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 Ogden

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ogden is in ZIP code 28411.

For 2 bedrooms it is $2,100: $395 more than the fair market rent for New Hanover County ($1,705).

  • 28411 $2,100$2,770

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

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 2 HUD-approved agencies with an office in New Hanover County; 2 say they serve in Spanish.

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 Ogden

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

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

  • Cape Fear Regional CDC

    500 Compton St, Wilmington · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (910) 762-7555

  • City of Wilmington

    929 N Front St, Wilmington · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (910) 341-7836

  • City of Jacksonville

    815 New Bridge St, Jacksonville · 40 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (910) 938-6551

Every agency in New Hanover County All counseling agencies in North Carolina

Help in Spanish near Ogden

2 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 Ogden

In HUD’s record, no housing authority with an office in New Hanover County is named for Ogden or New Hanover County.

One other authority has an office in New Hanover County: see the list Source: HUD

Cities

Other cities in New Hanover County

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

Everything about New Hanover County Housing in North Carolina

Nearby cities

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

Neighboring counties

If New Hanover 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 Ogden.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Ogden

Short answers with the numbers for Ogden and all of New Hanover 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 Ogden?

The typical home value in Ogden is $463,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in New Hanover County it is $387,800.

How much does it cost to rent in Ogden?

Typical rent in Ogden is $2,867 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in New Hanover County is $1,705.

What is the FHA loan limit in Ogden?

Ogden uses the FHA limit for all of New Hanover 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 Ogden?

The typical homeowner in Ogden pays $2,416 a year, according to the U.S. Census Bureau. That is 0.52% of the home’s value; in New Hanover County, the rate is 0.54%.

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

There are 2 HUD-approved counseling agencies with an office in New Hanover County. 2 say they serve 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).