Total monthly cost of ownership
Cost to Own a Home in Fairfield Harbour, North Carolina
A $279,000 home here costs
$2,103per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,434. The real number is $669 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.
Fairfield Harbour against Craven County and North Carolina
| Measure | Fairfield Harbour | Craven County |
|---|---|---|
| Median home value | $278,800 | $206,200 |
| Median property tax | $1,574 | $1,372 |
| Effective tax rate | 0.565% | 0.665% |
| Median gross rent | $1,527 | $1,100 |
| Population | 2,898 | 101,074 |
The weather behind that power bill
Fairfield Harbour sits in Craven County, which averages a high of 89.6°F in its hottest month and a low of 33.8°F in its coldest, with 53.01" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 1,897 cooling and 2,698 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Craven County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Craven County
Full Craven County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Fairfield Harbour?
A $279,000 home in Fairfield Harbour, North Carolina costs approximately $2,103 per month with 20% down at 6.66%. That is $1,434 principal and interest, $131 property tax, $101 homeowners insurance, $204 utilities and $233 set aside for maintenance.
What is the property tax rate in Fairfield Harbour?
Fairfield Harbour has an effective property tax rate of 0.565%, based on a median home value of $278,800 and median real estate taxes of $1,574. That is lower than the Craven County average of 0.665%.
What is the average home price in Fairfield Harbour?
The median owner-occupied home value in Fairfield Harbour, North Carolina is $278,800, against $206,200 across Craven County.
Is it cheaper to rent or buy in Fairfield Harbour?
Median gross rent in Fairfield Harbour is $1,527 a month, against $2,103 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 Fairfield Harbour — 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.