Total monthly cost of ownership
Cost to Own a Home in Archer Lodge, North Carolina
A $286,000 home here costs
$2,310per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $99,000 a year.
A standard mortgage calculator would have told you $1,559. The real number is $750 higher every month, 48% more than the payment most buyers budget for.
Compare Johnston County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Archer Lodge against Johnston County and North Carolina
| Measure | Archer Lodge | Johnston County |
|---|---|---|
| Median home value | $285,600 | $267,600 |
| Median property tax | $2,259 | $1,840 |
| Effective tax rate | 0.791% | 0.688% |
| Median gross rent | $1,308 | $1,007 |
| Population | 5,036 | 226,623 |
The weather behind that power bill
Archer Lodge sits in Johnston County, which averages a high of 91.7°F in its hottest month and a low of 31.4°F in its coldest, with 49.37" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 1,871 cooling and 3,078 heating degree days, which is what sets the $152 electricity line above.
See the full climate breakdown for Johnston County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Johnston County
Full Johnston County cost breakdown · Every county in North Carolina
Talk to someone who works this market
These are Archer Lodge averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Archer Lodge every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Archer Lodge I already own here and may sell
Common questions
How much does it cost to own a home in Archer Lodge?
A $286,000 home in Archer Lodge, North Carolina costs approximately $2,310 per month with 20% down at 7.24%. That is $1,559 principal and interest, $189 property tax, $104 homeowners insurance, $220 utilities and $238 set aside for maintenance.
What is the property tax rate in Archer Lodge?
Archer Lodge has an effective property tax rate of 0.791%, based on a median home value of $285,600 and median real estate taxes of $2,259. That is higher than the Johnston County average of 0.688%.
What is the average home price in Archer Lodge?
The median owner-occupied home value in Archer Lodge, North Carolina is $285,600, against $267,600 across Johnston County.
Is it cheaper to rent or buy in Archer Lodge?
Median gross rent in Archer Lodge is $1,308 a month, against $2,310 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Archer Lodge?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Archer Lodge, North Carolina at today's rate takes a household income of roughly $99,000 a year. That covers the full $2,310 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Archer Lodge, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for North Carolina.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.