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City · 11,242 residents · Harnett County, North Carolina

Spout Springs , North Carolina

In Spout Springs, a typical home is worth $358,500 and typical rent is $2,010 a month. Compared with all of Harnett County, typical rent is 81% higher and the typical home value is 46% higher.

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  • Typical home value

    $358,500

    46% above the county

    24% above North Carolina

    • Spout Springs
    • Harnett
    • North Carolina

  • Typical rent

    $2,010a month

    81% above the county

    64% above North Carolina

    • Spout Springs
    • Harnett
    • North Carolina

  • Typical household income

    $92,402a year

    30% above the county

    28% above North Carolina

    • Spout Springs
    • Harnett
    • North Carolina

  • Households that own their home

    75%

    4 points above the county

    8 points above North Carolina

    • Spout Springs
    • Harnett
    • North Carolina

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

Spout Springs is in Harnett 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 Harnett County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Spout Springs apart

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

  1. The typical rent in Spout Springs is $2,010 a month, 81% more than in Harnett County as a whole ($1,112).

  2. Nearby, in Spring Lake, the typical home value is $124,000: 65% less than in Spout Springs ($358,500).

  3. Nearby, in Sanford, the typical rent is $1,052: 48% less than in Spout Springs ($2,010).

  4. The typical home in Spout Springs is worth $358,500, 46% more than in Harnett County as a whole ($246,200).

  5. The typical household income in Spout Springs is $92,402, 30% more than in Harnett County as a whole ($71,287).

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

The homes here

Housing in Spout Springs

What homes there are in Spout Springs, 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

In Spout Springs, 10 in 10 homes are single-family detached houses; in Harnett County, 7.

Year built

The typical home in Spout Springs was built in 2010, 13 years after the typical one in Harnett County.

There is more room for a big family here: 95% of homes have 3 bedrooms or more, against 79% in Harnett 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

$1,876 a month

Harnett County: $1,594 a month

Without a mortgage

$699 a month

Harnett County: $462 a month

Owners with a mortgage

81%

Harnett County: 65%

In Spout Springs, 81% of owners have a mortgage, and their typical cost is $1,876 a month, against $1,594 in Harnett County. Without one it drops to $699.

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 Census does not compare Spout Springs with 2015–2019 because its boundaries changed. In Harnett County, over that time, the typical home value rose 60%.

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

MeasureSpout SpringsHarnett CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate7.2%7.1%5.5%
Homeowner vacancy Unreliable estimate0.9%1.3%0.9%
More than one person per room Unreliable estimate2.3%2.2%3.4%
People per household 3.042.732.442.53
Drive alone 77%79%72%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate9%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Spout Springs has 3.04 people, more than in Harnett County (2.73).

In Spout Springs, 77% of workers drive alone to work; in Harnett County, 79%.

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 Spout Springs?

A typical home costs more than the typical income allows

We start with a typical home in Spout Springs, worth $358,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Spout Springs, which is $92,402 a year. For that payment to be 28% of income, a household would need to earn about $124,486 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Spout Springs. 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 $12,548 (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

$2,905

at 7.18% · 30 years

Loan amount
$352,006
Total interest
$506,454
Paid off in
November 2056

Includes $6,054 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,156 a month

  • Tight

    $2,156 to $2,772 a month

  • Hard

    more than $2,772 a month

    Your payment · 38%

Compared with the typical household income in Spout Springs ($92,402 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,905
Principal & interest$2,385
Property tax$212
Home insurance$149
FHA mortgage insurance (MIP)$159

You need at least $12,548 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

Spout Springs and Harnett County

Spout Springs is in Harnett 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).

Spout Springs's own numbers

Typical home value
$358,500
Typical monthly rent
$2,010
Typical yearly household income
$92,402
Households that own their home
75%
Effective property tax rate
0.71%

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

Numbers for all of Harnett County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,051
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.5%

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 Harnett County.

Everything about Harnett County

Buying

Buying a home in Spout Springs

A typical home in Spout Springs is worth $358,500: 46% above the county and 24% above North Carolina. With the typical household income in Spout Springs ($92,402 a year), a typical home costs 3.9 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.

  • Spout Springs 3.9 years
  • Harnett 3.5 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harnett County

According to FHFA’s house price index, home prices in Harnett County rose 97% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +4.4% +2.5% +2.9%
5 years (2020–2025) +59% +60% +47%
10 years (2015–2025) +97% +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

Spout Springs next to Harnett 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
  • Spout Springs $358,500
  • Harnett $246,200
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Spout Springs $2,010
  • Harnett $1,112
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Spout Springs $92,402
  • Harnett $71,287
  • North Carolina $72,388
  • United States $80,734
See the full table
Spout Springs next to Harnett County and North Carolina
Measure Spout Springs Harnett County North Carolina U.S.
Typical home value $358,500 $246,200 $288,900 $332,700
Typical monthly rent $2,010 $1,112 $1,228 $1,413
Typical yearly household income $92,402 $71,287 $72,388 $80,734
Households that own their home 75% 71% 67% 65%
Typical yearly property tax $2,544 $1,689 $1,896 $3,119
Effective property tax rate 0.71% 0.69% 0.66% 0.94%
Renters with high rent for their income 47% 45% 49% 51%

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

For a typical $358,500 home in Spout Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spout Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,905a month

    Least cash to close
    Down payment
    $12,548
    Cash to close
    $23,303
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $159

  • Conventional, 5% down $2,839a month

    Down payment
    $17,925
    Cash to close
    $28,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $170

  • Conventional, 20% down, no PMI $2,304a month

    Down payment
    $71,700
    Cash to close
    $82,455
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,636a month

    Down payment
    $53,775
    Cash to close
    $64,530
    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 Spout Springs and for Harnett County.

Property tax

Effective rate in Spout Springs

0.71%of the home’s value each year

$2,544 a year for the typical owner in Spout Springs.

  • Spout Springs 0.71%
  • Harnett 0.69%
  • 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 Harnett County

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

Homes in the high-risk zone
0.5%
224
Of those, with NFIP insurance
49%
County North Carolina U.S.
Homes in the high-risk zone 0.5% 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 Spout Springs

Typical rent in Spout Springs is $2,010 a month: 81% above the county. In Spout Springs, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harnett County, by unit size. To pay the 2-bedroom one ($1,051 a month) without spending more than 30% of your income, you would need to earn $20.21 an hour working full time.

HUD fair market rent for all of Harnett 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 $891 $17.13 $35,640
1 bedroom $896 $17.23 $35,840
2 bedrooms $1,051 $20.21 $42,040
3 bedrooms $1,455 $27.98 $58,200
4 bedrooms $1,757 $33.79 $70,280

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 Spout Springs

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

For 2 bedrooms it runs from $1,250 in 27332 to $1,490 in 28326.

2 of the 2 are above the fair market rent for Harnett County ($1,051).

  • 27332 $1,250$1,560
  • 28326 $1,490$2,040

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

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Spout Springs

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

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

  • Kingdom Community Development Corporation

    129 N Main St, Spring Lake · 8 miles away · Spanish

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

  • Brick Capital Community Development Corporation

    822 S Horner Blvd, Sanford · 15 miles away · Spanish

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

  • North Carolina Community Housing and Consulting, Inc

    321 Dick St Ste 102, Fayetteville · 18 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (910) 849-0113

All counseling agencies in North Carolina

Help in Spanish near Spout Springs

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 Spout Springs

In HUD’s record, no housing authority with an office in Harnett County is named for Spout Springs or Harnett County.

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

Cities

Other cities in Harnett County

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

Everything about Harnett County Housing in North Carolina

Nearby cities

The cities closest to Spout Springs, with the typical home value.

Neighboring counties

If Harnett 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 Spout Springs.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Spout Springs

Short answers with the numbers for Spout Springs and all of Harnett 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 Spout Springs?

The typical home value in Spout Springs is $358,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harnett County it is $246,200.

How much does it cost to rent in Spout Springs?

Typical rent in Spout Springs is $2,010 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harnett County is $1,051.

What is the FHA loan limit in Spout Springs?

Spout Springs uses the FHA limit for all of Harnett 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 Spout Springs?

The typical homeowner in Spout Springs pays $2,544 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Harnett County, the rate is 0.69%.

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

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