Total monthly cost of ownership
Cost to Own a Home in Hayesville, North Carolina
A $217,000 home here costs
$1,671per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,116. The real number is $555 higher every month — 50% 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.
Hayesville against Clay County and North Carolina
| Measure | Hayesville | Clay County |
|---|---|---|
| Median home value | $217,400 | $263,300 |
| Median property tax | $1,104 | $1,188 |
| Effective tax rate | 0.508% | 0.451% |
| Median gross rent | $596 | $791 |
| Population | 1,110 | 11,391 |
The weather behind that power bill
Hayesville sits in Clay County, which averages a high of 86.6°F in its hottest month and a low of 25.3°F in its coldest, with 59.28" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,038 cooling and 4,041 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Clay County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clay County
No other places of this size are published in Clay County.
Full Clay County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Hayesville?
A $217,000 home in Hayesville, North Carolina costs approximately $1,671 per month with 20% down at 6.66%. That is $1,116 principal and interest, $92 property tax, $79 homeowners insurance, $204 utilities and $181 set aside for maintenance.
What is the property tax rate in Hayesville?
Hayesville has an effective property tax rate of 0.508%, based on a median home value of $217,400 and median real estate taxes of $1,104. That is higher than the Clay County average of 0.451%.
What is the average home price in Hayesville?
The median owner-occupied home value in Hayesville, North Carolina is $217,400, against $263,300 across Clay County.
Is it cheaper to rent or buy in Hayesville?
Median gross rent in Hayesville is $596 a month, against $1,671 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 Hayesville — 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.