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City · 5,915 residents · Lincoln County, North Carolina

Westport , North Carolina

In Westport, a typical home is worth $580,000. Compared with all of Lincoln County, the typical home value is 81% higher, typical household income is 65% higher, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $580,000

    81% above the county

    101% above North Carolina

    • Westport
    • Lincoln
    • North Carolina

  • Typical household income

    $131,908a year

    65% above the county

    82% above North Carolina

    • Westport
    • Lincoln
    • North Carolina

  • Households that own their home

    97%

    18 points above the county

    30 points above North Carolina

    • Westport
    • Lincoln
    • North Carolina

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

Westport is in Lincoln 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 Lincoln County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Westport apart

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

  1. The typical home in Westport is worth $580,000, 81% more than in Lincoln County as a whole ($321,000).

  2. Westport has the 3rd highest homeownership rate of the 166 cities in North Carolina with more than 5,000 people (97%).

  3. The typical household income in Westport is $131,908, 65% more than in Lincoln County as a whole ($80,016).

  4. Nearby, in Huntersville, the typical home value is $472,900: 18% less than in Westport ($580,000).

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

The homes here

Housing in Westport

What homes there are in Westport, 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 Westport, 10 in 10 homes are single-family detached houses; in Lincoln County, 7.

Year built

Here half of the homes date from 2007 or later; in Lincoln County, from 1994 or later.

There is more room for a big family here: 88% of homes have 3 bedrooms or more, against 74% in Lincoln 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

$2,295 a month

Lincoln County: $1,618 a month

Without a mortgage

$762 a month

Lincoln County: $424 a month

Owners with a mortgage

77%

Lincoln County: 60%

Owning costs more in Westport: with a mortgage, the typical cost is $2,295 a month; in Lincoln County, $1,618. Without one, $762.

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

Homes in Westport gained value more slowly than in Lincoln County: 24% since 2015–2019, against 87%.

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

MeasureWestportLincoln 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 estimate2.8%2.2%3.4%
People per household 2.692.502.442.53
Drive alone 67%76%72%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 33%14%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Westport are bigger: 2.69 people on average; in Lincoln County, 2.50.

Working from home is more common in Westport: 33%, against 14% in Lincoln County.

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 Westport?

A typical home costs more than the typical income allows

We start with a typical home in Westport, worth $580,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Westport, which is $131,908 a year. For that payment to be 28% of income, a household would need to earn about $199,535 a year. Note: at that price the loan is above the FHA limit for Lincoln County ($541,287), so FHA would not insure it; the payment is only a reference.

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

Your numbers

Local data
$

Starts at the typical home value in Westport. 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 $20,300 (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

$4,656

at 7.18% · 30 years

Loan amount
$569,495
Total interest
$819,369
Paid off in
November 2056

Includes $9,795 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,078 a month

  • Tight

    $3,078 to $3,957 a month

  • Hard

    more than $3,957 a month

    Your payment · 42%

Compared with the typical household income in Westport ($131,908 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,656
Principal & interest$3,858
Property tax$300
Home insurance$242
FHA mortgage insurance (MIP)$257

This loan is over the FHA limit

You'd borrow $559,700, but the FHA limit for a one-unit home in Westport is $541,287. You'd need a bigger down payment or a different loan.

You need at least $20,300 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

Westport and Lincoln County

Westport is in Lincoln 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).

Westport's own numbers

Typical home value
$580,000
Typical yearly household income
$131,908
Households that own their home
97%
Effective property tax rate
0.62%

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

Numbers for all of Lincoln County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,138
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
0.4%

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 Lincoln County.

Everything about Lincoln County

Buying

Buying a home in Westport

A typical home in Westport is worth $580,000: 81% above the county and 101% above North Carolina. With the typical household income in Westport ($131,908 a year), a typical home costs 4.4 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.

  • Westport 4.4 years
  • Lincoln 4.0 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lincoln County

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

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

Period County North Carolina U.S.
Last year (2025) +1.4% +2.5% +2.9%
5 years (2020–2025) +60% +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

Westport next to Lincoln 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
  • Westport $580,000
  • Lincoln $321,000
  • North Carolina $288,900
  • United States $332,700
Typical yearly household income
  • Westport $131,908
  • Lincoln $80,016
  • North Carolina $72,388
  • United States $80,734
See the full table
Westport next to Lincoln County and North Carolina
Measure Westport Lincoln County North Carolina U.S.
Typical home value $580,000 $321,000 $288,900 $332,700
Typical yearly household income $131,908 $80,016 $72,388 $80,734
Households that own their home 97% 79% 67% 65%
Typical yearly property tax $3,606 $1,856 $1,896 $3,119
Effective property tax rate 0.62% 0.58% 0.66% 0.94%

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

For a typical $580,000 home in Westport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Westport's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,656a month

    Above the FHA limit for Lincoln County ($541,287)
    Down payment
    $20,300
    Cash to close
    $37,700
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $257

  • Conventional, 5% down $4,549a month

    Least cash to close
    Down payment
    $29,000
    Cash to close
    $46,400
    Rate
    7.18%
    Mortgage insurance
    PMI · $276

  • Conventional, 20% down, no PMI $3,685a month

    Down payment
    $116,000
    Cash to close
    $133,400
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,221a month

    Down payment
    $87,000
    Cash to close
    $104,400
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Westport and for Lincoln County.

Property tax

Effective rate in Westport

0.62%of the home’s value each year

$3,606 a year for the typical owner in Westport.

  • Westport 0.62%
  • Lincoln 0.58%
  • 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 Lincoln County

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

Homes in the high-risk zone
0.4%
144
Of those, with NFIP insurance
15%
County North Carolina U.S.
Homes in the high-risk zone 0.4% 2.8% 3.5%
Of those, with NFIP insurance 15% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Westport

The Census Bureau publishes no typical rent for Westport. Below are the fair market rents for Lincoln County.

HUD publishes a fair market rent for all of Lincoln County, by unit size. To pay the 2-bedroom one ($1,138 a month) without spending more than 30% of your income, you would need to earn $21.88 an hour working full time.

HUD fair market rent for all of Lincoln 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 $1,003 $19.29 $40,120
1 bedroom $1,045 $20.10 $41,800
2 bedrooms $1,138 $21.88 $45,520
3 bedrooms $1,576 $30.31 $63,040
4 bedrooms $1,902 $36.58 $76,080

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 Westport

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Westport is in ZIP code 28037.

For 2 bedrooms it is $1,320: $182 more than the fair market rent for Lincoln County ($1,138).

  • 28037 $1,320$1,800

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Westport 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 Westport

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Westport

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

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

  • Ada Jenkins Families and Careers Development Center, Inc.

    212 Gamble St, Davidson · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (704) 896-0471

  • The Safeguard Group - Housing & Debt Advisors

    240 N Main St, Mooresville · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    800-673-6993-146

  • Community Foundations

    919 N Main Street, Suite 143A, Mooresville · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (704) 799-7641

All counseling agencies in North Carolina

Help in Spanish near Westport

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 Westport

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

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

Cities

Other cities in Lincoln County

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

Everything about Lincoln County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Lincoln 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 Westport.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Westport

Short answers with the numbers for Westport and all of Lincoln 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 Westport?

The typical home value in Westport is $580,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lincoln County it is $321,000.

What is the FHA loan limit in Westport?

Westport uses the FHA limit for all of Lincoln 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 Westport?

The typical homeowner in Westport pays $3,606 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Lincoln County, the rate is 0.58%.

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

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