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City · 18,256 residents · Moore County, North Carolina

Pinehurst , North Carolina

In Pinehurst, a typical home is worth $476,600 and typical rent is $1,664 a month. Compared with all of Moore County, the typical home value is 36% higher, typical rent is 33% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $476,600

    36% above the county

    65% above North Carolina

    • Pinehurst
    • Moore
    • North Carolina

  • Typical rent

    $1,664a month

    33% above the county

    36% above North Carolina

    • Pinehurst
    • Moore
    • North Carolina

  • Typical household income

    $109,802a year

    28% above the county

    52% above North Carolina

    • Pinehurst
    • Moore
    • North Carolina

  • Households that own their home

    85%

    9 points above the county

    19 points above North Carolina

    • Pinehurst
    • Moore
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$532,096
about the same as 12 months ago
Typical rent
$2,012 a month
about the same as 12 months ago

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

Pinehurst is in Moore 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 Moore County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pinehurst apart

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

  1. Nearby, in Rockingham, the typical rent is $659: 60% less than in Pinehurst ($1,664).

  2. Nearby, in Rockingham, the typical home value is $150,800: 68% less than in Pinehurst ($476,600).

  3. The typical home in Pinehurst is worth $476,600, 36% more than in Moore County as a whole ($351,400).

  4. The typical rent in Pinehurst is $1,664 a month, 33% more than in Moore County as a whole ($1,254).

  5. The typical household income in Pinehurst is $109,802, 28% more than in Moore County as a whole ($86,080).

  6. 85% of households in Pinehurst own their home, against 76% in Moore County.

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

The homes here

Housing in Pinehurst

What homes there are in Pinehurst, 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

The detached house rules in Pinehurst: 84% of homes, more than in Moore County (74%).

Year built

In Pinehurst, half of the homes were built before 1995; in Moore County, before 1994.

In Pinehurst, 82% of homes have 3 bedrooms or more, more than in Moore County (73%).

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

$1,987 a month

Moore County: $1,780 a month

Without a mortgage

$668 a month

Moore County: $520 a month

Owners with a mortgage

56%

Moore County: 57%

The typical cost for an owner with a mortgage in Pinehurst is $1,987 a month, more than in Moore County ($1,780); without one, $668.

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, home values in Pinehurst rose at about the same pace as in Moore County: 63% against 62%.

Rent in Pinehurst moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasurePinehurstMoore 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 estimate1.6%2.2%3.4%
People per household 2.122.362.442.53
Drive alone 69%77%72%69%
Carpool 7%7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 23%12%16%15%
Other means Unreliable estimate3%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.12 on average, against 2.36 in Moore County.

In Pinehurst, 23% of workers work from home, more than in Moore County (12%).

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 Pinehurst?

A typical home costs more than the typical income allows

We start with a typical home in Pinehurst, worth $476,600, 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 Pinehurst, which is $109,802 a year. For that payment to be 28% of income, a household would need to earn about $164,133 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pinehurst. 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 $16,681 (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

$3,830

at 7.18% · 30 years

Loan amount
$467,968
Total interest
$673,296
Paid off in
November 2056

Includes $8,049 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,562 a month

  • Tight

    $2,562 to $3,294 a month

  • Hard

    more than $3,294 a month

    Your payment · 42%

Compared with the typical household income in Pinehurst ($109,802 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,830
Principal & interest$3,170
Property tax$250
Home insurance$199
FHA mortgage insurance (MIP)$211

You need at least $16,681 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

Pinehurst and Moore County

Pinehurst is in Moore 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).

Pinehurst's own numbers

Typical home value
$476,600
Typical monthly rent
$1,664
Typical yearly household income
$109,802
Households that own their home
85%
Effective property tax rate
0.63%

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

Numbers for all of Moore County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,223
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
1.2%

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 Moore County.

Everything about Moore County

Buying

Buying a home in Pinehurst

A typical home in Pinehurst is worth $476,600: 36% above the county and 65% above North Carolina. With the typical household income in Pinehurst ($109,802 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.

  • Pinehurst 4.3 years
  • Moore 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 Moore County

According to FHFA’s house price index, home prices in Moore County rose 101% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +1.8% +2.5% +2.9%
5 years (2020–2025) +67% +60% +47%
10 years (2015–2025) +101% +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

Pinehurst next to Moore 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
  • Pinehurst $476,600
  • Moore $351,400
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Pinehurst $1,664
  • Moore $1,254
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Pinehurst $109,802
  • Moore $86,080
  • North Carolina $72,388
  • United States $80,734
See the full table
Pinehurst next to Moore County and North Carolina
Measure Pinehurst Moore County North Carolina U.S.
Typical home value $476,600 $351,400 $288,900 $332,700
Typical monthly rent $1,664 $1,254 $1,228 $1,413
Typical yearly household income $109,802 $86,080 $72,388 $80,734
Households that own their home 85% 76% 67% 65%
Typical yearly property tax $3,010 $1,849 $1,896 $3,119
Effective property tax rate 0.63% 0.53% 0.66% 0.94%
Renters with high rent for their income 57% 49% 49% 51%

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

For a typical $476,600 home in Pinehurst, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pinehurst's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,830a month

    Least cash to close
    Down payment
    $16,681
    Cash to close
    $30,979
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $211

  • Conventional, 5% down $3,742a month

    Down payment
    $23,830
    Cash to close
    $38,128
    Rate
    7.18%
    Mortgage insurance
    PMI · $226

  • Conventional, 20% down, no PMI $3,032a month

    Down payment
    $95,320
    Cash to close
    $109,618
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,472a month

    Down payment
    $71,490
    Cash to close
    $85,788
    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 Pinehurst and for Moore County.

Property tax

Effective rate in Pinehurst

0.63%of the home’s value each year

$3,010 a year for the typical owner in Pinehurst.

  • Pinehurst 0.63%
  • Moore 0.53%
  • 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 Moore County

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

Homes in the high-risk zone
1.2%
434
Of those, with NFIP insurance
51%
County North Carolina U.S.
Homes in the high-risk zone 1.2% 2.8% 3.5%
Of those, with NFIP insurance 51% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pinehurst

Typical rent in Pinehurst is $1,664 a month: 33% above the county. In Pinehurst, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Moore County, by unit size. To pay the 2-bedroom one ($1,223 a month) without spending more than 30% of your income, you would need to earn $23.52 an hour working full time.

HUD fair market rent for all of Moore 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 $1,042 $20.04 $41,680
1 bedroom $1,116 $21.46 $44,640
2 bedrooms $1,223 $23.52 $48,920
3 bedrooms $1,701 $32.71 $68,040
4 bedrooms $2,051 $39.44 $82,040

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 Pinehurst

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pinehurst is in ZIP code 28374.

For 2 bedrooms it is $1,800: $577 more than the fair market rent for Moore County ($1,223).

  • 28374 $1,800$2,500

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

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 Moore County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Pinehurst

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

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

  • Sandhills Community Action Program, Inc.

    340 Commerce Ave Ste 20, Southern Pines · 3 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (910) 947-5675

  • Sandhills Community Action Program, Inc.

    602 Rockingham Rd, Rockingham · 24 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (910) 410-0207

  • Brick Capital Community Development Corporation

    822 S Horner Blvd, Sanford · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    919-775-2300x3

Every agency in Moore County All counseling agencies in North Carolina

Help in Spanish near Pinehurst

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 Pinehurst

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

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

Cities

Other cities in Moore County

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

Everything about Moore County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Moore 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 Pinehurst.

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

Questions

Housing questions about Pinehurst

Short answers with the numbers for Pinehurst and all of Moore 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 Pinehurst?

The typical home value in Pinehurst is $476,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Moore County it is $351,400.

How much does it cost to rent in Pinehurst?

Typical rent in Pinehurst is $1,664 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Moore County is $1,223.

What is the FHA loan limit in Pinehurst?

Pinehurst uses the FHA limit for all of Moore 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 Pinehurst?

The typical homeowner in Pinehurst pays $3,010 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Moore County, the rate is 0.53%.

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

There is 1 HUD-approved counseling agency with an office in Moore County. 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).