Español

Este sitio también está en español. Leer en español

City · 8,182 residents · Person County, North Carolina

Roxboro , North Carolina

In Roxboro, a typical home is worth $157,700 and typical rent is $860 a month. Compared with all of Person County, typical household income is 42% lower, the typical home value is 26% lower, and the share of households that own their home is 27 points lower.

WhatsApp

  • Typical home value

    $157,700

    26% below the county

    45% below North Carolina

    • Roxboro
    • Person
    • North Carolina

  • Typical rent

    $860a month

    About the same as the county

    30% below North Carolina

    • Roxboro
    • Person
    • North Carolina

  • Typical household income

    $36,553a year

    42% below the county

    50% below North Carolina

    • Roxboro
    • Person
    • North Carolina

  • Households that own their home

    51%

    27 points below the county

    16 points below North Carolina

    • Roxboro
    • Person
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$214,244
4.4% more than 12 months ago

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

Roxboro is in Person County. The FHA loan limit ($634,800 for a one-unit home), the fair market rents and the help on this page are those of all of Person County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Roxboro apart

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

  1. 51% of households in Roxboro own their home, against 77% in Person County.

  2. Roxboro has the 4th lowest typical household income of the 165 cities in North Carolina with more than 5,000 people ($36,553).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Roxboro rose 4.4%; in North Carolina, it barely changed.

  4. The typical home in Roxboro is worth $157,700, 26% less than in Person County as a whole ($213,900).

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

The homes here

Housing in Roxboro

What homes there are in Roxboro, 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 is still the most common home in Roxboro, but it weighs less than in Person County: 63% against 75%.

Year built

In Roxboro, half of the homes were built before 1967; in Person County, before 1983.

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

$1,321 a month

Person County: $1,393 a month

Without a mortgage

$464 a month

Person County: $454 a month

Owners with a mortgage

57%

Person County: 60%

The typical cost for an owner with a mortgage in Roxboro is $1,321 a month, less than in Person County ($1,393); without one, $464.

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 Roxboro rose 89%; in Person County, it rose 74%.

Rents in Roxboro rose faster than in Person County: 32% since 2015–2019, against 25%.

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

MeasureRoxboroPerson 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 estimateUnreliable estimate2.2%3.4%
People per household 2.202.432.442.53
Drive alone 76%76%72%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate13%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: 2.20 on average, against 2.43 in Person County.

To get to work, 76% of workers in Roxboro drive alone; in Person County, 76%.

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 Roxboro?

A typical home costs more than the typical income allows

We start with a typical home in Roxboro, worth $157,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Roxboro, which is $36,553 a year. For that payment to be 28% of income, a household would need to earn about $56,224 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Roxboro. 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 $5,520 (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

$1,312

at 7.18% · 30 years

Loan amount
$154,843
Total interest
$222,783
Paid off in
November 2056

Includes $2,663 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $853 a month

  • Tight

    $853 to $1,097 a month

  • Hard

    more than $1,097 a month

    Your payment · 43%

Compared with the typical household income in Roxboro ($36,553 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,312
Principal & interest$1,049
Property tax$128
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,520 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

Roxboro and Person County

Roxboro is in Person 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).

Roxboro's own numbers

Typical home value
$157,700
Typical monthly rent
$860
Typical yearly household income
$36,553
Households that own their home
51%
Effective property tax rate
0.97%

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

Numbers for all of Person County

FHA limit, one-unit home
$634,800
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,012
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
0.2%

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 Person County.

Everything about Person County

Buying

Buying a home in Roxboro

A typical home in Roxboro is worth $157,700: 26% below the county and 45% below North Carolina. With the typical household income in Roxboro ($36,553 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.

  • Roxboro 4.3 years
  • Person 3.4 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Person County

According to FHFA’s house price index, home prices in Person County rose 89% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) −3.0% +2.5% +2.9%
5 years (2020–2025) +52% +60% +47%
10 years (2015–2025) +89% +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

Roxboro next to Person 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
  • Roxboro $157,700
  • Person $213,900
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Roxboro $860
  • Person $864
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Roxboro $36,553
  • Person $63,300
  • North Carolina $72,388
  • United States $80,734
See the full table
Roxboro next to Person County and North Carolina
Measure Roxboro Person County North Carolina U.S.
Typical home value $157,700 $213,900 $288,900 $332,700
Typical monthly rent $860 $864 $1,228 $1,413
Typical yearly household income $36,553 $63,300 $72,388 $80,734
Households that own their home 51% 77% 67% 65%
Typical yearly property tax $1,524 $1,328 $1,896 $3,119
Effective property tax rate 0.97% 0.62% 0.66% 0.94%
Renters with high rent for their income 61% 60% 49% 51%

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

For a typical $157,700 home in Roxboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Roxboro's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,312a month

    Least cash to close
    Down payment
    $5,520
    Cash to close
    $10,251
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,283a month

    Down payment
    $7,885
    Cash to close
    $12,616
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $1,048a month

    Down payment
    $31,540
    Cash to close
    $36,271
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,194a month

    Down payment
    $23,655
    Cash to close
    $28,386
    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 Roxboro and for Person County.

Property tax

Effective rate in Roxboro

0.97%of the home’s value each year

$1,524 a year for the typical owner in Roxboro.

  • Roxboro 0.97%
  • Person 0.62%
  • 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 Person County

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

Homes in the high-risk zone
0.2%
31
Of those, with NFIP insurance
13%
County North Carolina U.S.
Homes in the high-risk zone 0.2% 2.8% 3.5%
Of those, with NFIP insurance 13% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Roxboro

Typical rent in Roxboro is $860 a month: about the same as the county. In Roxboro, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Person 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 Person 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 $800 $15.38 $32,000
1 bedroom $805 $15.48 $32,200
2 bedrooms $1,012 $19.46 $40,480
3 bedrooms $1,401 $26.94 $56,040
4 bedrooms $1,460 $28.08 $58,400

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 Roxboro

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Roxboro is in ZIP code 27573.

For 2 bedrooms it is $1,010: $2 less than the fair market rent for Person County ($1,012).

  • 27573 $1,010$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 Roxboro 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 Roxboro

HUD lists 18 buildings with rents for lower incomes in Roxboro. These are the largest.

  • Scattered Sites 805 Lyle St, Roxboro 27573 210 homes, 208 low-income · Run by Roxboro Housing Authority · Average payment: $314 a month · Average wait: 16 months · Homes at several sites (336) 599-8616
  • Brookwood Apts 390 Henderson Rd, Roxboro 27573 90 low-income homes · 1 bd: 16 · 2 bd: 32 · 3 bd: 26 · 4 bd: 16 · In service since 2000 · For families (336) 599-8579
  • Windridge Apartments 50 Windridge Ct, Roxboro 27573 60 low-income homes · 2 bd: 42 · 3 bd: 18 · In service since 2015 · For families
  • Oaks I 1574 Red Oak Dr, Roxboro 27573 52 low-income homes · 1 bd: 44 · 2 bd: 8 · In service since 2008 · For older adults, people with disabilities, people experiencing homelessness
  • Barden Ridge 12 Barden Pl, Roxboro 27573 48 low-income homes · 2 bd: 32 · 3 bd: 16 · In service since 2000 · For families

See all 18 buildings in Person County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Roxboro

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 Person County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Roxboro

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

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

  • Centre for Home Ownership & Economic Development Corporation

    960 Corporate Dr Ste 405, Hillsborough · 24 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 12 more
    (919) 322-8118

  • North Carolina Housing Coalition

    3608 University Dr Ste 201, Durham · 30 miles away

    (919) 881-0707

  • CCCS of Greater Greensboro

    236 N. Mebane St., Burlington · 33 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (336) 373-8882

All counseling agencies in North Carolina

Help in Spanish near Roxboro

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 Roxboro

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

All housing agencies in North Carolina Source: HUD

Cities

Nearby cities

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

Everything about Person County Housing in North Carolina

Neighboring counties

If Person 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 Roxboro.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Roxboro

Short answers with the numbers for Roxboro and all of Person 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 Roxboro?

The typical home value in Roxboro is $157,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Person County it is $213,900.

How much does it cost to rent in Roxboro?

Typical rent in Roxboro is $860 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Person County is $1,012.

What is the FHA loan limit in Roxboro?

Roxboro uses the FHA limit for all of Person County (2026): $634,800 for a one-unit home and $1,220,800 for a four-unit home.

How much property tax do owners pay in Roxboro?

The typical homeowner in Roxboro pays $1,524 a year, according to the U.S. Census Bureau. That is 0.97% of the home’s value; in Person County, the rate is 0.62%.

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

We found no HUD-approved counseling agencies with an office in Person 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).