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City · 5,211 residents · Moore County, North Carolina

Whispering Pines , North Carolina

In Whispering Pines, a typical home is worth $464,800 and typical rent is $2,336 a month. Compared with all of Moore County, typical rent is 86% higher, typical household income is 47% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $464,800

    32% above the county

    61% above North Carolina

    • Whispering Pines
    • Moore
    • North Carolina

  • Typical rent

    $2,336a month

    86% above the county

    90% above North Carolina

    • Whispering Pines
    • Moore
    • North Carolina

  • Typical household income

    $126,450a year

    47% above the county

    75% above North Carolina

    • Whispering Pines
    • Moore
    • North Carolina

  • Households that own their home

    86%

    9 points above the county

    19 points above North Carolina

    • Whispering Pines
    • Moore
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$528,870
1.6% more than 12 months ago

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

Whispering 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 Whispering Pines apart

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

  1. The typical rent in Whispering Pines is $2,336 a month, 86% more than in Moore County as a whole ($1,254).

  2. Nearby, in Barbecue, the typical home value is $219,800: 53% less than in Whispering Pines ($464,800).

  3. Nearby, in Aberdeen, the typical rent is $1,244: 47% less than in Whispering Pines ($2,336).

  4. The typical household income in Whispering Pines is $126,450, 47% more than in Moore County as a whole ($86,080).

  5. The typical home in Whispering Pines is worth $464,800, 32% more than in Moore County as a whole ($351,400).

  6. 86% of households in Whispering Pines own their home, against 76% in Moore County.

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

The homes here

Housing in Whispering Pines

What homes there are in Whispering 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, standing on their own, make up 98% of homes here, against 74% in Moore County.

Year built

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

$2,167 a month

Moore County: $1,780 a month

Without a mortgage

$702 a month

Moore County: $520 a month

Owners with a mortgage

72%

Moore County: 57%

Owning costs more in Whispering Pines: with a mortgage, the typical cost is $2,167 a month; in Moore County, $1,780. Without one, $702.

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 Whispering Pines rose 46%; in Moore County, it rose 62%.

Rents in Whispering Pines rose faster than in Moore County: 57% since 2015–2019, against 43%.

The typical household income in Whispering Pines rose 58% over that time; home values changed +46% and rent +57%.

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

MeasureWhispering 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 2.902.362.442.53
Drive alone 79%77%72%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 17%12%16%15%
Other means Unreliable estimate3%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Whispering Pines has 2.90 people, more than in Moore County (2.36).

Working from home is more common in Whispering Pines: 17%, against 12% in Moore 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 Whispering Pines?

A typical home is tight for the typical income

We start with a typical home in Whispering Pines, worth $464,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Whispering Pines, which is $126,450 a year. For that payment to be 28% of income, a household would need to earn about $160,899 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 Whispering 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 $16,268 (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

$3,754

at 7.18% · 30 years

Loan amount
$456,381
Total interest
$656,626
Paid off in
November 2056

Includes $7,849 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,951 a month

  • Tight

    $2,951 to $3,794 a month

    Your payment · 36%

  • Hard

    more than $3,794 a month

Compared with the typical household income in Whispering Pines ($126,450 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,754
Principal & interest$3,092
Property tax$263
Home insurance$194
FHA mortgage insurance (MIP)$206

You need at least $16,268 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

Whispering Pines and Moore County

Whispering 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).

Whispering Pines's own numbers

Typical home value
$464,800
Typical monthly rent
$2,336
Typical yearly household income
$126,450
Households that own their home
86%
Effective property tax rate
0.68%

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 Whispering Pines

A typical home in Whispering Pines is worth $464,800: 32% above the county and 61% above North Carolina. With the typical household income in Whispering Pines ($126,450 a year), a typical home costs 3.7 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.

  • Whispering Pines 3.7 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

Whispering 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
  • Whispering Pines $464,800
  • Moore $351,400
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Whispering Pines $2,336
  • Moore $1,254
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Whispering Pines $126,450
  • Moore $86,080
  • North Carolina $72,388
  • United States $80,734
See the full table
Whispering Pines next to Moore County and North Carolina
Measure Whispering Pines Moore County North Carolina U.S.
Typical home value $464,800 $351,400 $288,900 $332,700
Typical monthly rent $2,336 $1,254 $1,228 $1,413
Typical yearly household income $126,450 $86,080 $72,388 $80,734
Households that own their home 86% 76% 67% 65%
Typical yearly property tax $3,151 $1,849 $1,896 $3,119
Effective property tax rate 0.68% 0.53% 0.66% 0.94%

“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 Whispering Pines

For a typical $464,800 home in Whispering Pines, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Whispering Pines's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,754a month

    Least cash to close
    Down payment
    $16,268
    Cash to close
    $30,212
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $206

  • Conventional, 5% down $3,669a month

    Down payment
    $23,240
    Cash to close
    $37,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $221

  • Conventional, 20% down, no PMI $2,976a month

    Down payment
    $92,960
    Cash to close
    $106,904
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,406a month

    Down payment
    $69,720
    Cash to close
    $83,664
    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 Whispering Pines and for Moore County.

Property tax

Effective rate in Whispering Pines

0.68%of the home’s value each year

$3,151 a year for the typical owner in Whispering Pines.

  • Whispering Pines 0.68%
  • 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 Whispering Pines

Typical rent in Whispering Pines is $2,336 a month: 86% above the county.

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 Whispering Pines

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Whispering Pines is in ZIP code 28327.

For 2 bedrooms it is $1,480: $257 more than the fair market rent for Moore County ($1,223).

  • 28327 $1,480$2,060

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

Free help

Help to buy or rent in Whispering 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.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Whispering Pines

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

The HUD-approved agencies closest to the center of Whispering 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 · 7 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 · 19 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 · 23 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 Whispering 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 Whispering Pines

In HUD’s record, no housing authority with an office in Moore County is named for Whispering Pines or Moore County.

2 other authorities have 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 Whispering 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 Whispering Pines.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Whispering Pines

Short answers with the numbers for Whispering 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 Whispering Pines?

The typical home value in Whispering Pines is $464,800, 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 Whispering Pines?

Typical rent in Whispering Pines is $2,336 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 Whispering Pines?

Whispering 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 Whispering Pines?

The typical homeowner in Whispering Pines pays $3,151 a year, according to the U.S. Census Bureau. That is 0.68% of the home’s value; in Moore County, the rate is 0.53%.

Where can I find free help to buy or rent in Whispering 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).