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City · 54,297 residents · Nash County, North Carolina

Rocky Mount , North Carolina

In Rocky Mount, a typical home is worth $165,700 and typical rent is $957 a month. Compared with all of Nash County, the typical home value is 13% lower, typical household income is 11% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $165,700

    13% below the county

    43% below North Carolina

    • Rocky Mount
    • Nash
    • North Carolina

  • Typical rent

    $957a month

    About the same as the county

    22% below North Carolina

    • Rocky Mount
    • Nash
    • North Carolina

  • Typical household income

    $55,534a year

    11% below the county

    23% below North Carolina

    • Rocky Mount
    • Nash
    • North Carolina

  • Households that own their home

    49%

    15 points below the county

    18 points below North Carolina

    • Rocky Mount
    • Nash
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$186,496
about the same as 12 months ago
Typical rent
$1,259 a month
2.9% more than 12 months ago

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

Rocky Mount is in Nash 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 Nash County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rocky Mount apart

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

  1. 49% of households in Rocky Mount own their home, against 64% in Nash County.

  2. Rocky Mount has the 17th lowest typical home value of the 166 cities in North Carolina with more than 5,000 people ($165,700).

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

The homes here

Housing in Rocky Mount

What homes there are in Rocky Mount, 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 Nash County, most homes in Rocky Mount are detached houses (66%).

Year built

Homes in Rocky Mount are older: the typical year built is 1979; in Nash County, 1986.

There are fewer big homes in Rocky Mount than in Nash County: 59% have 3 bedrooms or more, against 70%.

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

The FHA loan limit for Nash County is $541,287, and about 96% of owner-occupied homes in Rocky Mount are worth less than that.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Nash County is $1,167; about 68% of rents in Rocky Mount are below it.

With a mortgage

$1,353 a month

Nash County: $1,367 a month

Without a mortgage

$534 a month

Nash County: $501 a month

Owners with a mortgage

54%

Nash County: 53%

In Rocky Mount, 54% of owners have a mortgage; their typical cost is $1,353 a month, about the same as in Nash County.

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 Rocky Mount rose 47% since 2015–2019, about the same as in Nash County (49%).

Rents in Rocky Mount rose at about the same pace as in Nash County: 21% since 2015–2019, against 19%.

While home values in Rocky Mount changed +47% and rent +21%, the typical household income rose 37%.

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

MeasureRocky MountNash CountyNorth CarolinaUnited States
Rental vacancy 2.9%3.1%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.2%3.4%
People per household 2.282.432.442.53
Drive alone 80%81%72%69%
Carpool 8%7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate0%2%3%
Work from home 9%11%16%15%
Other means 2%1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

In Rocky Mount, the rental vacancy rate is 2.9%, about the same as in Nash County.

On average, a household in Rocky Mount has 2.28 people, fewer than in Nash County (2.43).

The car rules in Rocky Mount: 80% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Rocky Mount?

A typical home is tight for the typical income

We start with a typical home in Rocky Mount, worth $165,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Rocky Mount, which is $55,534 a year. For that payment to be 28% of income, a household would need to earn about $58,544 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rocky Mount. 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 $5,800 (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

$1,366

at 7.18% · 30 years

Loan amount
$162,698
Total interest
$234,085
Paid off in
November 2056

Includes $2,798 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,296 a month

  • Tight

    $1,296 to $1,666 a month

    Your payment · 30%

  • Hard

    more than $1,666 a month

Compared with the typical household income in Rocky Mount ($55,534 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,366
Principal & interest$1,102
Property tax$122
Home insurance$69
FHA mortgage insurance (MIP)$73

You need at least $5,800 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

Rocky Mount and Nash County

Rocky Mount is in Nash 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).

Rocky Mount's own numbers

Typical home value
$165,700
Typical monthly rent
$957
Typical yearly household income
$55,534
Households that own their home
49%
Effective property tax rate
0.88%

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

Numbers for all of Nash County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,167
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
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 Nash County.

Everything about Nash County

Buying

Buying a home in Rocky Mount

A typical home in Rocky Mount is worth $165,700: 13% below the county and 43% below North Carolina. With the typical household income in Rocky Mount ($55,534 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.

  • Rocky Mount 3.0 years
  • Nash 3.1 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Nash County

According to FHFA’s house price index, home prices in Nash County rose 91% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +3.0% +2.5% +2.9%
5 years (2020–2025) +60% +60% +47%
10 years (2015–2025) +91% +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

Rocky Mount next to Nash 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
  • Rocky Mount $165,700
  • Nash $191,000
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Rocky Mount $957
  • Nash $953
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Rocky Mount $55,534
  • Nash $62,426
  • North Carolina $72,388
  • United States $80,734
See the full table
Rocky Mount next to Nash County and North Carolina
Measure Rocky Mount Nash County North Carolina U.S.
Typical home value $165,700 $191,000 $288,900 $332,700
Typical monthly rent $957 $953 $1,228 $1,413
Typical yearly household income $55,534 $62,426 $72,388 $80,734
Households that own their home 49% 64% 67% 65%
Typical yearly property tax $1,461 $1,362 $1,896 $3,119
Effective property tax rate 0.88% 0.71% 0.66% 0.94%
Renters with high rent for their income 42% 41% 49% 51%

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

For a typical $165,700 home in Rocky Mount, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rocky Mount's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,366a month

    Least cash to close
    Down payment
    $5,800
    Cash to close
    $10,771
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $73

  • Conventional, 5% down $1,336a month

    Down payment
    $8,285
    Cash to close
    $13,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $79

  • Conventional, 20% down, no PMI $1,089a month

    Down payment
    $33,140
    Cash to close
    $38,111
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,242a month

    Down payment
    $24,855
    Cash to close
    $29,826
    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 Rocky Mount and for Nash County.

Property tax

Effective rate in Rocky Mount

0.88%of the home’s value each year

$1,461 a year for the typical owner in Rocky Mount.

  • Rocky Mount 0.88%
  • Nash 0.71%
  • 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 Nash County

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

Homes in the high-risk zone
2%
741
Of those, with NFIP insurance
49%
County North Carolina U.S.
Homes in the high-risk zone 2% 2.8% 3.5%
Of those, with NFIP insurance 49% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rocky Mount

Typical rent in Rocky Mount is $957 a month: about the same as the county. In Rocky Mount, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Nash County, by unit size. To pay the 2-bedroom one ($1,167 a month) without spending more than 30% of your income, you would need to earn $22.44 an hour working full time.

HUD fair market rent for all of Nash 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 $967 $18.60 $38,680
1 bedroom $972 $18.69 $38,880
2 bedrooms $1,167 $22.44 $46,680
3 bedrooms $1,567 $30.13 $62,680
4 bedrooms $1,787 $34.37 $71,480

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 Rocky Mount

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rocky Mount has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,130 in 27801 to $1,260 in 27804.

2 of the 3 are above the fair market rent for Nash County ($1,167).

  • 27801 $1,130$1,520
  • 27803 $1,190$1,590
  • 27804 $1,260$1,690

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rocky Mount 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 Rocky Mount

HUD lists 14 buildings with rents for lower incomes in Rocky Mount. These are the largest.

  • WestEnd Terrace Community 697A Paul St, Rocky Mount 27803 363 low-income homes · Run by Rocky Mount Housing Authority · Average payment: $330 a month · Average wait: 8 months · Homes at several sites (252) 977-3141
  • Rolling Meadows 1960 Boone St, Rocky Mount 27803 130 low-income homes · 1 bd: 14 · 2 bd: 52 · 3 bd: 51 · 4 bd: 13 · In service since 2007 · For people with disabilities, families, people experiencing homelessness (252) 446-0652
  • Covenant Homes 135 Covenant Ct, Rocky Mount 27804 100 low-income homes · For older adults (252) 443-2323
  • Beal Street Square 564 Beal St, Rocky Mount 27804 80 low-income homes · 1 bd: 20 · 2 bd: 60 · In service since 2017 · For families
  • Ravenwood Crossing 545 Ravenwood Dr, Rocky Mount 27803 80 low-income homes · 1 bd: 9 · 2 bd: 36 · 3 bd: 35 · In service since 2019 · For families

See all 26 buildings in Nash County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rocky Mount

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.

We found no HUD-approved agencies with an office in Nash County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Rocky Mount

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

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

  • Housing Authority of the City of Rocky Mount, NC

    901 Authority Dr, Rocky Mount · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (252) 977-3141

  • Wilson Community Improvement Association, Inc.

    504 Green St E, Wilson · 18 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    252-243-4855x214

  • Choanoke Area Development Association of Nc, Inc.

    120 Sessoms Dr, Rich Square · 37 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (252) 539-4155

All counseling agencies in North Carolina

Help in Spanish near Rocky Mount

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 Rocky Mount

In HUD’s record, no housing authority with an office in Nash County is named for Rocky Mount or Nash County.

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

Cities

Other cities in Nash County

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

Everything about Nash County Housing in North Carolina

Nearby cities

The cities closest to Rocky Mount, with the typical home value.

Neighboring counties

If Nash 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 Rocky Mount.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Rocky Mount

Short answers with the numbers for Rocky Mount and all of Nash 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 Rocky Mount?

The typical home value in Rocky Mount is $165,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nash County it is $191,000.

How much does it cost to rent in Rocky Mount?

Typical rent in Rocky Mount is $957 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nash County is $1,167.

What is the FHA loan limit in Rocky Mount?

Rocky Mount uses the FHA limit for all of Nash 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 Rocky Mount?

The typical homeowner in Rocky Mount pays $1,461 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Nash County, the rate is 0.71%.

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

We found no HUD-approved counseling agencies with an office in Nash County; the nearest ones are on this page. 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).