Total monthly cost of ownership
Cost to Own a Home in Camden, North Carolina
A $360,000 home here costs
$2,677per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,851. The real number is $826 higher every month — 45% 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.
Camden against Camden County and North Carolina
| Measure | Camden | Camden County |
|---|---|---|
| Median home value | $360,200 | $289,800 |
| Median property tax | $2,301 | $1,784 |
| Effective tax rate | 0.639% | 0.616% |
| Median gross rent | $1,119 | $1,220 |
| Population | 1,072 | 10,743 |
The weather behind that power bill
Camden sits in Camden County, which averages a high of 88.2°F in its hottest month and a low of 33.1°F in its coldest, with 46.51" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,759 cooling and 3,053 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Camden County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Camden County
No other places of this size are published in Camden County.
Full Camden County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Camden?
A $360,000 home in Camden, North Carolina costs approximately $2,677 per month with 20% down at 6.66%. That is $1,851 principal and interest, $192 property tax, $131 homeowners insurance, $204 utilities and $300 set aside for maintenance.
What is the property tax rate in Camden?
Camden has an effective property tax rate of 0.639%, based on a median home value of $360,200 and median real estate taxes of $2,301. That is higher than the Camden County average of 0.616%.
What is the average home price in Camden?
The median owner-occupied home value in Camden, North Carolina is $360,200, against $289,800 across Camden County.
Is it cheaper to rent or buy in Camden?
Median gross rent in Camden is $1,119 a month, against $2,677 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 Camden — 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.