Total monthly cost of ownership
Cost to Own a Home in Lillington, North Carolina
A $220,000 home here costs
$1,753per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,131. The real number is $622 higher every month — 55% 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.
Lillington against Harnett County and North Carolina
| Measure | Lillington | Harnett County |
|---|---|---|
| Median home value | $219,600 | $220,700 |
| Median property tax | $1,857 | $1,642 |
| Effective tax rate | 0.846% | 0.744% |
| Median gross rent | $934 | $1,080 |
| Population | 4,683 | 136,503 |
The weather behind that power bill
Lillington sits in Harnett County, which averages a high of 90.3°F in its hottest month and a low of 29.3°F in its coldest, with 46.64" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,676 cooling and 3,324 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Harnett County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harnett County
Full Harnett County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Lillington?
A $220,000 home in Lillington, North Carolina costs approximately $1,753 per month with 20% down at 6.66%. That is $1,131 principal and interest, $155 property tax, $80 homeowners insurance, $204 utilities and $183 set aside for maintenance.
What is the property tax rate in Lillington?
Lillington has an effective property tax rate of 0.846%, based on a median home value of $219,600 and median real estate taxes of $1,857. That is higher than the Harnett County average of 0.744%.
What is the average home price in Lillington?
The median owner-occupied home value in Lillington, North Carolina is $219,600, against $220,700 across Harnett County.
Is it cheaper to rent or buy in Lillington?
Median gross rent in Lillington is $934 a month, against $1,753 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 Lillington — 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.