Total monthly cost of ownership
Cost to Own a Home in Pilot Mountain, North Carolina
A $185,000 home here costs
$1,491per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $951. The real number is $540 higher every month — 57% 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.
Pilot Mountain against Surry County and North Carolina
| Measure | Pilot Mountain | Surry County |
|---|---|---|
| Median home value | $185,200 | $166,400 |
| Median property tax | $1,378 | $1,033 |
| Effective tax rate | 0.744% | 0.621% |
| Median gross rent | $895 | $741 |
| Population | 1,584 | 71,407 |
The weather behind that power bill
Pilot Mountain sits in Surry County, which averages a high of 86.3°F in its hottest month and a low of 24.8°F in its coldest, with 50.46" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 973 cooling and 4,412 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Surry County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Surry County
Full Surry County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Pilot Mountain?
A $185,000 home in Pilot Mountain, North Carolina costs approximately $1,491 per month with 20% down at 6.66%. That is $951 principal and interest, $115 property tax, $67 homeowners insurance, $204 utilities and $154 set aside for maintenance.
What is the property tax rate in Pilot Mountain?
Pilot Mountain has an effective property tax rate of 0.744%, based on a median home value of $185,200 and median real estate taxes of $1,378. That is higher than the Surry County average of 0.621%.
What is the average home price in Pilot Mountain?
The median owner-occupied home value in Pilot Mountain, North Carolina is $185,200, against $166,400 across Surry County.
Is it cheaper to rent or buy in Pilot Mountain?
Median gross rent in Pilot Mountain is $895 a month, against $1,491 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 Pilot Mountain — 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.