Total monthly cost of ownership
Cost to Own a Home in Moyock, North Carolina
A $392,000 home here costs
$2,842per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,015. The real number is $827 higher every month — 41% 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.
Moyock against Currituck County and North Carolina
| Measure | Moyock | Currituck County |
|---|---|---|
| Median home value | $391,800 | $351,200 |
| Median property tax | $1,849 | $1,600 |
| Effective tax rate | 0.472% | 0.456% |
| Median gross rent | $1,686 | $1,126 |
| Population | 5,669 | 29,612 |
The weather behind that power bill
Moyock sits in Currituck 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 Currituck County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Currituck County
Full Currituck County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Moyock?
A $392,000 home in Moyock, North Carolina costs approximately $2,842 per month with 20% down at 6.66%. That is $2,015 principal and interest, $154 property tax, $142 homeowners insurance, $204 utilities and $327 set aside for maintenance.
What is the property tax rate in Moyock?
Moyock has an effective property tax rate of 0.472%, based on a median home value of $391,800 and median real estate taxes of $1,849. That is higher than the Currituck County average of 0.456%.
What is the average home price in Moyock?
The median owner-occupied home value in Moyock, North Carolina is $391,800, against $351,200 across Currituck County.
Is it cheaper to rent or buy in Moyock?
Median gross rent in Moyock is $1,686 a month, against $2,842 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 Moyock — 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.