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City · 10,725 residents · Pitt County, North Carolina

Winterville , North Carolina

In Winterville, a typical home is worth $245,100 and typical rent is $1,534 a month. Compared with all of Pitt County, typical rent is 54% higher, typical household income is 43% higher, and the share of households that own their home is 32 points higher.

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  • Typical home value

    $245,100

    17% above the county

    15% below North Carolina

    • Winterville
    • Pitt
    • North Carolina

  • Typical rent

    $1,534a month

    54% above the county

    25% above North Carolina

    • Winterville
    • Pitt
    • North Carolina

  • Typical household income

    $83,193a year

    43% above the county

    15% above North Carolina

    • Winterville
    • Pitt
    • North Carolina

  • Households that own their home

    83%

    32 points above the county

    17 points above North Carolina

    • Winterville
    • Pitt
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$278,365
1.6% more than 12 months ago
Typical rent
$1,544 a month
1.9% more than 12 months ago

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

Winterville is in Pitt 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 Pitt County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Winterville apart

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

  1. 83% of households in Winterville own their home, against 51% in Pitt County.

  2. Nearby, in Kinston, the typical home value is $119,300: 51% less than in Winterville ($245,100).

  3. The typical rent in Winterville is $1,534 a month, 54% more than in Pitt County as a whole ($993).

  4. Nearby, in Ayden, the typical rent is $778: 49% less than in Winterville ($1,534).

  5. The typical household income in Winterville is $83,193, 43% more than in Pitt County as a whole ($58,188).

  6. Winterville has the 9th largest share of rent-burdened renters of the 136 cities in North Carolina with more than 5,000 people (67%).

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

The homes here

Housing in Winterville

What homes there are in Winterville, 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 Winterville, 9 in 10 homes are single-family detached houses; in Pitt County, 5.

Year built

Here half of the homes date from 2001 or later; in Pitt County, from 1994 or later.

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

$1,648 a month

Pitt County: $1,467 a month

Without a mortgage

$616 a month

Pitt County: $543 a month

Owners with a mortgage

76%

Pitt County: 62%

In Winterville, 76% of owners have a mortgage, and their typical cost is $1,648 a month, against $1,467 in Pitt County. Without one it drops to $616.

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 Winterville rose 52%; in Pitt County, it rose 41%.

Rents in Winterville rose faster than in Pitt County: 70% since 2015–2019, against 25%.

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

MeasureWintervillePitt CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimate4.5%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate1.4%2.2%3.4%
People per household 2.362.302.442.53
Drive alone 76%75%72%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 13%12%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Winterville look like those in Pitt County: 2.36 people on average.

In Winterville, 76% of workers drive alone to work; in Pitt County, 75%.

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 Winterville?

A typical home is tight for the typical income

We start with a typical home in Winterville, worth $245,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Winterville, which is $83,193 a year. For that payment to be 28% of income, a household would need to earn about $85,634 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Winterville. 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 $8,579 (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

$1,998

at 7.18% · 30 years

Loan amount
$240,660
Total interest
$346,253
Paid off in
November 2056

Includes $4,139 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,941 a month

  • Tight

    $1,941 to $2,496 a month

    Your payment · 29%

  • Hard

    more than $2,496 a month

Compared with the typical household income in Winterville ($83,193 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,998
Principal & interest$1,630
Property tax$157
Home insurance$102
FHA mortgage insurance (MIP)$108

You need at least $8,579 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

Winterville and Pitt County

Winterville is in Pitt 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).

Winterville's own numbers

Typical home value
$245,100
Typical monthly rent
$1,534
Typical yearly household income
$83,193
Households that own their home
83%
Effective property tax rate
0.77%

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

Numbers for all of Pitt County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,167
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
3.7%

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 Pitt County.

Everything about Pitt County

Buying

Buying a home in Winterville

A typical home in Winterville is worth $245,100: 17% above the county and 15% below North Carolina. With the typical household income in Winterville ($83,193 a year), a typical home costs 2.9 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.

  • Winterville 2.9 years
  • Pitt 3.6 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pitt County

According to FHFA’s house price index, home prices in Pitt County rose 83% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +3.0% +2.5% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +83% +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

Winterville next to Pitt 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
  • Winterville $245,100
  • Pitt $208,900
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Winterville $1,534
  • Pitt $993
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Winterville $83,193
  • Pitt $58,188
  • North Carolina $72,388
  • United States $80,734
See the full table
Winterville next to Pitt County and North Carolina
Measure Winterville Pitt County North Carolina U.S.
Typical home value $245,100 $208,900 $288,900 $332,700
Typical monthly rent $1,534 $993 $1,228 $1,413
Typical yearly household income $83,193 $58,188 $72,388 $80,734
Households that own their home 83% 51% 67% 65%
Typical yearly property tax $1,893 $1,734 $1,896 $3,119
Effective property tax rate 0.77% 0.83% 0.66% 0.94%
Renters with high rent for their income 67% 51% 49% 51%

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

For a typical $245,100 home in Winterville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winterville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,998a month

    Least cash to close
    Down payment
    $8,579
    Cash to close
    $15,932
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $108

  • Conventional, 5% down $1,953a month

    Down payment
    $12,255
    Cash to close
    $19,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $116

  • Conventional, 20% down, no PMI $1,588a month

    Down payment
    $49,020
    Cash to close
    $56,373
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,814a month

    Down payment
    $36,765
    Cash to close
    $44,118
    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 Winterville and for Pitt County.

Property tax

Effective rate in Winterville

0.77%of the home’s value each year

$1,893 a year for the typical owner in Winterville.

  • Winterville 0.77%
  • Pitt 0.83%
  • 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 Pitt County

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

Homes in the high-risk zone
3.7%
2,313
Of those, with NFIP insurance
34%
County North Carolina U.S.
Homes in the high-risk zone 3.7% 2.8% 3.5%
Of those, with NFIP insurance 34% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Winterville

Typical rent in Winterville is $1,534 a month: 54% above the county. In Winterville, 67% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pitt County, by unit size. To pay the 2-bedroom one ($1,167 a month) without spending more than 30% of your income, you would need to earn $22.44 an hour working full time.

HUD fair market rent for all of Pitt 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 $961 $18.48 $38,440
1 bedroom $967 $18.60 $38,680
2 bedrooms $1,167 $22.44 $46,680
3 bedrooms $1,518 $29.19 $60,720
4 bedrooms $1,909 $36.71 $76,360

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 Winterville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winterville is in ZIP code 28590.

For 2 bedrooms it is $1,270: $103 more than the fair market rent for Pitt County ($1,167).

  • 28590 $1,270$1,650

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

HUD lists 2 buildings with rents for lower incomes in Winterville. These are the largest.

  • Winterville Court 2431 Bullock St, Winterville 28590 30 low-income homes · For families (252) 353-4780
  • Arc/HDS Pitt County Group Home #3 616 Edgewater DR, Winterville 28590 7 homes, 6 low-income · For people with disabilities (252) 321-6961

See all 47 buildings in Pitt County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Winterville

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 Pitt 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 Winterville

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

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

  • Wilson Community Improvement Association, Inc.

    504 Green St E, Wilson · 32 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    252-243-4855x214

  • Housing Authority of the City of Rocky Mount, NC

    901 Authority Dr, Rocky Mount · 35 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (252) 977-3141

  • Choanoke Area Development Association of Nc, Inc.

    120 Sessoms Dr, Rich Square · 53 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (252) 539-4155

All counseling agencies in North Carolina

Help in Spanish near Winterville

1 of the 3 agencies on this list says it serves 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 Winterville

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

4 other authorities have an office in Pitt County: see the list Source: HUD

Cities

Other cities in Pitt County

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

Everything about Pitt County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Pitt 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 Winterville.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Winterville

Short answers with the numbers for Winterville and all of Pitt 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 Winterville?

The typical home value in Winterville is $245,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pitt County it is $208,900.

How much does it cost to rent in Winterville?

Typical rent in Winterville is $1,534 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pitt County is $1,167.

What is the FHA loan limit in Winterville?

Winterville uses the FHA limit for all of Pitt 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 Winterville?

The typical homeowner in Winterville pays $1,893 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Pitt County, the rate is 0.83%.

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

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