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City · 8,967 residents · Richmond County, North Carolina

Rockingham , North Carolina

In Rockingham, a typical home is worth $150,800 and typical rent is $659 a month. Compared with all of Richmond County, the typical home value is 18% higher and typical household income is 17% lower.

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  • Typical home value

    $150,800

    18% above the county

    48% below North Carolina

    • Rockingham
    • Richmond
    • North Carolina

  • Typical rent

    $659a month

    9% below the county

    46% below North Carolina

    • Rockingham
    • Richmond
    • North Carolina

  • Typical household income

    $37,224a year

    17% below the county

    49% below North Carolina

    • Rockingham
    • Richmond
    • North Carolina

  • Households that own their home

    62%

    4 points below the county

    5 points below North Carolina

    • Rockingham
    • Richmond
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$129,649
2.8% more than 12 months ago

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

Rockingham is in Richmond 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 Richmond County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rockingham apart

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

  1. Rockingham has the 3rd lowest typical rent of the 154 cities in North Carolina with more than 5,000 people ($659).

  2. Rockingham has the 6th lowest typical household income of the 165 cities in North Carolina with more than 5,000 people ($37,224).

  3. Nearby, in Hamlet, the typical home value is $112,600: 25% less than in Rockingham ($150,800).

  4. Rockingham has the 10th lowest typical home value of the 166 cities in North Carolina with more than 5,000 people ($150,800).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Rockingham rose 2.8%; in North Carolina, it barely changed.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Rockingham

What homes there are in Rockingham, 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

As in Richmond County, most homes in Rockingham are detached houses (69%).

Year built

Homes in Rockingham are older: the typical year built is 1967; in Richmond County, 1976.

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

At least 83% of rented homes in Rockingham cost less than $1,000, below HUD's 2-bedroom fair market rent ($1,012).

With a mortgage

$1,154 a month

Richmond County: $1,169 a month

Without a mortgage

$480 a month

Richmond County: $447 a month

Owners with a mortgage

58%

Richmond County: 50%

The typical cost for an owner with a mortgage in Rockingham is $1,154 a month, near the figure in Richmond County ($1,169).

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 Richmond County, the typical home value in Rockingham rose 55% since 2015–2019.

Rent in Rockingham 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

MeasureRockinghamRichmond 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 estimate2.5%2.2%3.4%
People per household 2.182.432.442.53
Drive alone 87%85%72%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate4%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.18 on average, against 2.43 in Richmond County.

To get to work, 87% of workers in Rockingham drive alone; in Richmond County, 85%.

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 Rockingham?

A typical home costs more than the typical income allows

We start with a typical home in Rockingham, worth $150,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Rockingham, which is $37,224 a year. For that payment to be 28% of income, a household would need to earn about $52,633 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rockingham. 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 $5,278 (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

$1,228

at 7.18% · 30 years

Loan amount
$148,069
Total interest
$213,036
Paid off in
November 2056

Includes $2,547 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $869 a month

  • Tight

    $869 to $1,117 a month

  • Hard

    more than $1,117 a month

    Your payment · 40%

Compared with the typical household income in Rockingham ($37,224 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,228
Principal & interest$1,003
Property tax$96
Home insurance$63
FHA mortgage insurance (MIP)$67

You need at least $5,278 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

Rockingham and Richmond County

Rockingham is in Richmond 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).

Rockingham's own numbers

Typical home value
$150,800
Typical monthly rent
$659
Typical yearly household income
$37,224
Households that own their home
62%
Effective property tax rate
0.76%

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

Numbers for all of Richmond County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,012
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.4%

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 Richmond County.

Everything about Richmond County

Buying

Buying a home in Rockingham

A typical home in Rockingham is worth $150,800: 18% above the county and 48% below North Carolina. With the typical household income in Rockingham ($37,224 a year), a typical home costs 4.1 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.

  • Rockingham 4.1 years
  • Richmond 2.8 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Richmond County

According to FHFA’s house price index, home prices in Richmond County rose 90% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +6.3% +2.5% +2.9%
5 years (2020–2025) +59% +60% +47%
10 years (2015–2025) +90% +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

Rockingham next to Richmond 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
  • Rockingham $150,800
  • Richmond $127,800
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Rockingham $659
  • Richmond $724
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Rockingham $37,224
  • Richmond $44,883
  • North Carolina $72,388
  • United States $80,734
See the full table
Rockingham next to Richmond County and North Carolina
Measure Rockingham Richmond County North Carolina U.S.
Typical home value $150,800 $127,800 $288,900 $332,700
Typical monthly rent $659 $724 $1,228 $1,413
Typical yearly household income $37,224 $44,883 $72,388 $80,734
Households that own their home 62% 66% 67% 65%
Typical yearly property tax $1,151 $1,138 $1,896 $3,119
Effective property tax rate 0.76% 0.89% 0.66% 0.94%
Renters with high rent for their income 61% 51% 49% 51%

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

For a typical $150,800 home in Rockingham, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rockingham's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,228a month

    Least cash to close
    Down payment
    $5,278
    Cash to close
    $9,802
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $67

  • Conventional, 5% down $1,200a month

    Down payment
    $7,540
    Cash to close
    $12,064
    Rate
    7.18%
    Mortgage insurance
    PMI · $72

  • Conventional, 20% down, no PMI $976a month

    Down payment
    $30,160
    Cash to close
    $34,684
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,115a month

    Down payment
    $22,620
    Cash to close
    $27,144
    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 Rockingham and for Richmond County.

Property tax

Effective rate in Rockingham

0.76%of the home’s value each year

$1,151 a year for the typical owner in Rockingham.

  • Rockingham 0.76%
  • Richmond 0.89%
  • 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 Richmond County

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

Homes in the high-risk zone
0.4%
84
Of those, with NFIP insurance
19%
County North Carolina U.S.
Homes in the high-risk zone 0.4% 2.8% 3.5%
Of those, with NFIP insurance 19% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rockingham

Typical rent in Rockingham is $659 a month: 9% below the county. In Rockingham, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Richmond County, by unit size. To pay the 2-bedroom one ($1,012 a month) without spending more than 30% of your income, you would need to earn $19.46 an hour working full time.

HUD fair market rent for all of Richmond 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 $757 $14.56 $30,280
1 bedroom $786 $15.12 $31,440
2 bedrooms $1,012 $19.46 $40,480
3 bedrooms $1,352 $26.00 $54,080
4 bedrooms $1,531 $29.44 $61,240

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 Rockingham

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rockingham is in ZIP code 28379.

For 2 bedrooms it is $1,050: $38 more than the fair market rent for Richmond County ($1,012).

  • 28379 $1,050$1,400

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

HUD lists 16 buildings with rents for lower incomes in Rockingham. These are the largest.

  • Harrington Place 600 Gore Dr, Rockingham 28379 226 homes, 225 low-income · Run by Rockingham Housing Authority · Average payment: $309 a month · Average wait: 9 months (910) 997-3316
  • Pine Ridge Homes 1001 Pineridge Dr, Rockingham 28379 70 homes, 69 low-income · 1 bd: 12 · 2 bd: 48 · 3 bd: 10 · In service since 2015 · For families
  • Cameron Grove 150 Lady Mary Ln, Rockingham 28379 56 low-income homes · 1 bd: 12 · 2 bd: 44 · In service since 2008 · For older adults, people with disabilities, people experiencing homelessness
  • Crown Pointe aka Long Drive I Apts. 1253 Cauthen Dr, Rockingham 28379 50 homes, 49 low-income · For families (910) 895-2959
  • Greenridge 200 Green Ridge Dr, Rockingham 28379 48 low-income homes · 2 bd: 32 · 3 bd: 16 · In service since 2006 · For people with disabilities, families, people experiencing homelessness

See all 25 buildings in Richmond County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rockingham

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 Richmond County; none says it serves 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 Rockingham

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

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

  • Sandhills Community Action Program, Inc.

    602 Rockingham Rd, Rockingham · 0 miles away

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

  • Sandhills Community Action Program, Inc.

    205 W Morgan St, Wadesboro · 18 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    704-994-2306-210

  • Sandhills Community Action Program, Inc.

    340 Commerce Ave Ste 20, Southern Pines · 24 miles away

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

Every agency in Richmond County All counseling agencies in North Carolina

Help in Spanish near Rockingham

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 Rockingham

HUD’s record names them for Rockingham or Richmond County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Rockingham Housing Authority Public housing and Section 8 vouchers (910) 997-3316

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

Cities

Other cities in Richmond County

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

Everything about Richmond County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Richmond 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 Rockingham.

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

Questions

Housing questions about Rockingham

Short answers with the numbers for Rockingham and all of Richmond 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 Rockingham?

The typical home value in Rockingham is $150,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Richmond County it is $127,800.

How much does it cost to rent in Rockingham?

Typical rent in Rockingham is $659 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Richmond County is $1,012.

What is the FHA loan limit in Rockingham?

Rockingham uses the FHA limit for all of Richmond 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 Rockingham?

The typical homeowner in Rockingham pays $1,151 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Richmond County, the rate is 0.89%.

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

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