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City · 7,111 residents · Randolph County, North Carolina

Trinity , North Carolina

In Trinity, a typical home is worth $216,600 and typical rent is $955 a month. Compared with all of Randolph County, typical household income is 35% higher, the typical home value is 10% higher, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $216,600

    10% above the county

    25% below North Carolina

    • Trinity
    • Randolph
    • North Carolina

  • Typical rent

    $955a month

    8% above the county

    22% below North Carolina

    • Trinity
    • Randolph
    • North Carolina

  • Typical household income

    $82,664a year

    35% above the county

    14% above North Carolina

    • Trinity
    • Randolph
    • North Carolina

  • Households that own their home

    80%

    8 points above the county

    14 points above North Carolina

    • Trinity
    • Randolph
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$288,859
2.7% more than 12 months ago

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

Trinity is in Randolph 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 Randolph County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Trinity apart

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

  1. Trinity has the 4th smallest share of rent-burdened renters of the 136 cities in North Carolina with more than 5,000 people (32%).

  2. The typical household income in Trinity is $82,664, 35% more than in Randolph County as a whole ($61,022).

  3. Nearby, in Thomasville, the typical home value is $179,300: 17% less than in Trinity ($216,600).

  4. 80% of households in Trinity own their home, against 73% in Randolph County.

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

The homes here

Housing in Trinity

What homes there are in Trinity, 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 rules in Trinity: 86% of homes, more than in Randolph County (68%).

Year built

Homes in Trinity are older: the typical year built is 1979; in Randolph County, 1985.

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

$1,411 a month

Randolph County: $1,258 a month

Without a mortgage

$393 a month

Randolph County: $403 a month

Owners with a mortgage

53%

Randolph County: 55%

Owning costs more in Trinity: with a mortgage, the typical cost is $1,411 a month; in Randolph County, $1,258. Without one, $393.

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 Trinity rose 52% since 2015–2019, less than in Randolph County (59%).

Much as in Randolph County, the typical rent in Trinity rose 28% since 2015–2019.

The typical household income in Trinity rose 51% over that time; home values changed +52% and rent +28%.

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

MeasureTrinityRandolph CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate3.2%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate2.8%2.2%3.4%
People per household 2.632.512.442.53
Drive alone 82%82%72%69%
Carpool 6%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 10%7%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Randolph County, a household in Trinity has 2.63 people on average.

In Trinity, 82% of workers drive alone to work; in Randolph County, 82%.

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 Trinity?

A typical home is within reach of the typical income

We start with a typical home in Trinity, worth $216,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Trinity, which is $82,664 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Trinity. 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 $7,581 (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

$1,757

at 7.18% · 30 years

Loan amount
$212,677
Total interest
$305,992
Paid off in
November 2056

Includes $3,658 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,929 a month

    Your payment · 26%

  • Tight

    $1,929 to $2,480 a month

  • Hard

    more than $2,480 a month

Compared with the typical household income in Trinity ($82,664 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,757
Principal & interest$1,441
Property tax$130
Home insurance$90
FHA mortgage insurance (MIP)$96

You need at least $7,581 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

Trinity and Randolph County

Trinity is in Randolph 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).

Trinity's own numbers

Typical home value
$216,600
Typical monthly rent
$955
Typical yearly household income
$82,664
Households that own their home
80%
Effective property tax rate
0.72%

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

Numbers for all of Randolph County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,271
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
0.3%

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 Randolph County.

Everything about Randolph County

Buying

Buying a home in Trinity

A typical home in Trinity is worth $216,600: 10% above the county and 25% below North Carolina. With the typical household income in Trinity ($82,664 a year), a typical home costs 2.6 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.

  • Trinity 2.6 years
  • Randolph 3.2 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Randolph County

According to FHFA’s house price index, home prices in Randolph County rose 105% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +2.1% +2.5% +2.9%
5 years (2020–2025) +65% +60% +47%
10 years (2015–2025) +105% +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

Trinity next to Randolph 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
  • Trinity $216,600
  • Randolph $197,100
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Trinity $955
  • Randolph $887
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Trinity $82,664
  • Randolph $61,022
  • North Carolina $72,388
  • United States $80,734
See the full table
Trinity next to Randolph County and North Carolina
Measure Trinity Randolph County North Carolina U.S.
Typical home value $216,600 $197,100 $288,900 $332,700
Typical monthly rent $955 $887 $1,228 $1,413
Typical yearly household income $82,664 $61,022 $72,388 $80,734
Households that own their home 80% 73% 67% 65%
Typical yearly property tax $1,563 $1,324 $1,896 $3,119
Effective property tax rate 0.72% 0.67% 0.66% 0.94%
Renters with high rent for their income 32% 44% 49% 51%

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

For a typical $216,600 home in Trinity, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Trinity's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,757a month

    Least cash to close
    Down payment
    $7,581
    Cash to close
    $14,079
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $96

  • Conventional, 5% down $1,717a month

    Down payment
    $10,830
    Cash to close
    $17,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $103

  • Conventional, 20% down, no PMI $1,394a month

    Down payment
    $43,320
    Cash to close
    $49,818
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,594a month

    Down payment
    $32,490
    Cash to close
    $38,988
    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 Trinity and for Randolph County.

Property tax

Effective rate in Trinity

0.72%of the home’s value each year

$1,563 a year for the typical owner in Trinity.

  • Trinity 0.72%
  • Randolph 0.67%
  • 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 Randolph County

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

Homes in the high-risk zone
0.3%
190
Of those, with NFIP insurance
35%
County North Carolina U.S.
Homes in the high-risk zone 0.3% 2.8% 3.5%
Of those, with NFIP insurance 35% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Trinity

Typical rent in Trinity is $955 a month: 8% above the county. In Trinity, 32% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Randolph County, by unit size. To pay the 2-bedroom one ($1,271 a month) without spending more than 30% of your income, you would need to earn $24.44 an hour working full time.

HUD fair market rent for all of Randolph 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 $1,121 $21.56 $44,840
1 bedroom $1,168 $22.46 $46,720
2 bedrooms $1,271 $24.44 $50,840
3 bedrooms $1,644 $31.62 $65,760
4 bedrooms $1,932 $37.15 $77,280

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 Trinity

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

For 2 bedrooms it runs from $1,100 in 27263 to $1,120 in 27370.

None is above the fair market rent for Randolph County ($1,271).

  • 27263 $1,100$1,420
  • 27370 $1,120$1,450

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

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 Randolph 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 Trinity

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

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

  • Housing Authority of the City of High Point

    500 E Russell Ave, High Point · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (336) 887-2661

  • CCCS of Greater Greensboro

    1401 Long Street, High Point · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (336) 889-6108

  • CCCS of Greater Greensboro

    21 W. 2nd Street, Lexington · 14 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 Trinity

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 Trinity

In HUD’s record, no housing authority with an office in Randolph County is named for Trinity or Randolph County.

2 other authorities have an office in Randolph County: see the list Source: HUD

Cities

Other cities in Randolph County

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

Everything about Randolph County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Randolph 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 Trinity.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Trinity

Short answers with the numbers for Trinity and all of Randolph 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 Trinity?

The typical home value in Trinity is $216,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Randolph County it is $197,100.

How much does it cost to rent in Trinity?

Typical rent in Trinity is $955 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Randolph County is $1,271.

What is the FHA loan limit in Trinity?

Trinity uses the FHA limit for all of Randolph 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 Trinity?

The typical homeowner in Trinity pays $1,563 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Randolph County, the rate is 0.67%.

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

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