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City · 16,420 residents · Moore County, North Carolina

Southern Pines , North Carolina

In Southern Pines, a typical home is worth $451,100 and typical rent is $1,354 a month. Compared with all of Moore County, the typical home value is 28% higher, typical rent is 8% higher, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $451,100

    28% above the county

    56% above North Carolina

    • Southern Pines
    • Moore
    • North Carolina

  • Typical rent

    $1,354a month

    8% above the county

    10% above North Carolina

    • Southern Pines
    • Moore
    • North Carolina

  • Typical household income

    $88,535a year

    3% above the county

    22% above North Carolina

    • Southern Pines
    • Moore
    • North Carolina

  • Households that own their home

    57%

    20 points below the county

    10 points below North Carolina

    • Southern Pines
    • Moore
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$451,152
about the same as 12 months ago
Typical rent
$1,753 a month
1.4% less than 12 months ago

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

Southern Pines 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 Southern Pines apart

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

  1. Nearby, in Barbecue, the typical home value is $219,800: 51% less than in Southern Pines ($451,100).

  2. 57% of households in Southern Pines own their home, against 76% in Moore County.

  3. The typical home in Southern Pines is worth $451,100, 28% more than in Moore County as a whole ($351,400).

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

The homes here

Housing in Southern Pines

What homes there are in Southern Pines, 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

Detached houses are the majority in Southern Pines (53%), but less so than in Moore County (74%).

Year built

The typical year built in Southern Pines is 1996, about the same as in Moore County (1994).

In Southern Pines, 14% of homes have 1 bedroom or none (studios); 53% have 3 bedrooms or more, against 73% in Moore County.

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

$2,145 a month

Moore County: $1,780 a month

Without a mortgage

$717 a month

Moore County: $520 a month

Owners with a mortgage

62%

Moore County: 57%

In Southern Pines, 62% of owners have a mortgage, and their typical cost is $2,145 a month, against $1,780 in Moore County. Without one it drops to $717.

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 Southern Pines rose 56%; in Moore County, it rose 62%.

The typical rent in Southern Pines rose 49% over the same time; in Moore County, it rose 43%.

While home values in Southern Pines changed +56% and rent +49%, the typical household income rose 51%.

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

MeasureSouthern PinesMoore 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 2.162.362.442.53
Drive alone 73%77%72%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 14%12%16%15%
Other means Unreliable estimate3%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.16 on average, against 2.36 in Moore County.

To get to work, 73% of workers in Southern Pines drive alone; in Moore County, 77%.

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 Southern Pines?

A typical home costs more than the typical income allows

We start with a typical home in Southern Pines, worth $451,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Southern Pines, which is $88,535 a year. For that payment to be 28% of income, a household would need to earn about $155,190 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 Southern Pines. 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 $15,789 (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

$3,621

at 7.18% · 30 years

Loan amount
$442,929
Total interest
$637,271
Paid off in
November 2056

Includes $7,618 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,066 a month

  • Tight

    $2,066 to $2,656 a month

  • Hard

    more than $2,656 a month

    Your payment · 49%

Compared with the typical household income in Southern Pines ($88,535 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,621
Principal & interest$3,001
Property tax$233
Home insurance$188
FHA mortgage insurance (MIP)$200

You need at least $15,789 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

Southern Pines and Moore County

Southern Pines 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).

Southern Pines's own numbers

Typical home value
$451,100
Typical monthly rent
$1,354
Typical yearly household income
$88,535
Households that own their home
57%
Effective property tax rate
0.62%

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 Southern Pines

A typical home in Southern Pines is worth $451,100: 28% above the county and 56% above North Carolina. With the typical household income in Southern Pines ($88,535 a year), a typical home costs 5.1 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.

  • Southern Pines 5.1 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

Southern Pines 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
  • Southern Pines $451,100
  • Moore $351,400
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Southern Pines $1,354
  • Moore $1,254
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Southern Pines $88,535
  • Moore $86,080
  • North Carolina $72,388
  • United States $80,734
See the full table
Southern Pines next to Moore County and North Carolina
Measure Southern Pines Moore County North Carolina U.S.
Typical home value $451,100 $351,400 $288,900 $332,700
Typical monthly rent $1,354 $1,254 $1,228 $1,413
Typical yearly household income $88,535 $86,080 $72,388 $80,734
Households that own their home 57% 76% 67% 65%
Typical yearly property tax $2,799 $1,849 $1,896 $3,119
Effective property tax rate 0.62% 0.53% 0.66% 0.94%
Renters with high rent for their income 54% 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 Southern Pines

For a typical $451,100 home in Southern Pines, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Southern Pines's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,621a month

    Least cash to close
    Down payment
    $15,789
    Cash to close
    $29,322
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $200

  • Conventional, 5% down $3,538a month

    Down payment
    $22,555
    Cash to close
    $36,088
    Rate
    7.18%
    Mortgage insurance
    PMI · $214

  • Conventional, 20% down, no PMI $2,866a month

    Down payment
    $90,220
    Cash to close
    $103,753
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,283a month

    Down payment
    $67,665
    Cash to close
    $81,198
    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 Southern Pines and for Moore County.

Property tax

Effective rate in Southern Pines

0.62%of the home’s value each year

$2,799 a year for the typical owner in Southern Pines.

  • Southern Pines 0.62%
  • 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 Southern Pines

Typical rent in Southern Pines is $1,354 a month: 8% above the county. In Southern Pines, 54% 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 Southern Pines

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Southern Pines has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,230 in 28387 to $1,800 in 28374.

2 of the 2 are above the fair market rent for Moore County ($1,223).

  • 28374 $1,800$2,500
  • 28387 $1,230$1,710

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Southern Pines 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 Southern Pines

HUD lists 10 buildings with rents for lower incomes in Southern Pines. These are the largest.

  • Southern Pines 801 S Mechanic St, Southern Pines 28387 100 low-income homes · For families (910) 276-2582
  • Brookside Park Apartments I 591 Shaw Ave, Southern Pines 28387 100 homes, 97 low-income · For families (910) 692-7013
  • Austin's Ridge 501 Austins Ridge Cir, Southern Pines 28387 52 low-income homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 20 · In service since 2006 · For people with disabilities, families, people experiencing homelessness
  • Hunters Glen Apts 1655 Central Dr, Southern Pines 28387 50 low-income homes · 1 bd: 14 · 2 bd: 30 · 3 bd: 6 · In service since 1995 · For families
  • Brookside Park Apartments II 440 Shaw Ave, Southern Pines 28387 50 homes, 49 low-income · For families (910) 692-7013

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

Free help

Help to buy or rent in Southern Pines

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.

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

HUD counseling is free or low-cost

Assistance programs in Southern Pines

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

The HUD-approved agencies closest to the center of Southern Pines, 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

  • Brick Capital Community Development Corporation

    822 S Horner Blvd, Sanford · 23 miles away · Spanish

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

  • Kingdom Community Development Corporation

    129 N Main St, Spring Lake · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (910) 484-2722

Every agency in Moore County All counseling agencies in North Carolina

Help in Spanish near Southern Pines

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 Southern Pines

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

One other authority has 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 Southern Pines, 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 Southern Pines.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Southern Pines

Short answers with the numbers for Southern Pines 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 Southern Pines?

The typical home value in Southern Pines is $451,100, 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 Southern Pines?

Typical rent in Southern Pines is $1,354 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 Southern Pines?

Southern Pines 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 Southern Pines?

The typical homeowner in Southern Pines pays $2,799 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Moore County, the rate is 0.53%.

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

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).