Total monthly cost of ownership
Cost to Own a Home in Bryson City, North Carolina
A $247,000 home here costs
$1,863per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,270. The real number is $593 higher every month — 47% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bryson City against Swain County and North Carolina
| Measure | Bryson City | Swain County |
|---|---|---|
| Median home value | $246,700 | $209,800 |
| Median property tax | $1,130 | $844 |
| Effective tax rate | 0.458% | 0.402% |
| Median gross rent | $721 | $715 |
| Population | 1,676 | 14,065 |
The weather behind that power bill
Bryson City sits in Swain County, which averages a high of 73.7°F in its hottest month and a low of 22.2°F in its coldest, with 73.86" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 143 cooling and 6,020 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Swain County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Swain County
No other places of this size are published in Swain County.
Full Swain County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Bryson City?
A $247,000 home in Bryson City, North Carolina costs approximately $1,863 per month with 20% down at 6.66%. That is $1,270 principal and interest, $94 property tax, $90 homeowners insurance, $204 utilities and $206 set aside for maintenance.
What is the property tax rate in Bryson City?
Bryson City has an effective property tax rate of 0.458%, based on a median home value of $246,700 and median real estate taxes of $1,130. That is higher than the Swain County average of 0.402%.
What is the average home price in Bryson City?
The median owner-occupied home value in Bryson City, North Carolina is $246,700, against $209,800 across Swain County.
Is it cheaper to rent or buy in Bryson City?
Median gross rent in Bryson City is $721 a month, against $1,863 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bryson City — 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.