Total monthly cost of ownership
Cost to Own a Home in Pinetops, North Carolina
A $133,000 home here costs
$1,162per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $684. The real number is $478 higher every month — 70% 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.
Pinetops against Edgecombe County and North Carolina
| Measure | Pinetops | Edgecombe County |
|---|---|---|
| Median home value | $132,600 | $116,800 |
| Median property tax | $1,381 | $1,282 |
| Effective tax rate | 1.041% | 1.098% |
| Median gross rent | $719 | $818 |
| Population | 1,323 | 48,777 |
The weather behind that power bill
Pinetops sits in Edgecombe County, which averages a high of 89.3°F in its hottest month and a low of 30.1°F in its coldest, with 47.59" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,687 cooling and 3,322 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Edgecombe County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Edgecombe County
Full Edgecombe County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Pinetops?
A $133,000 home in Pinetops, North Carolina costs approximately $1,162 per month with 20% down at 6.66%. That is $684 principal and interest, $115 property tax, $48 homeowners insurance, $204 utilities and $111 set aside for maintenance.
What is the property tax rate in Pinetops?
Pinetops has an effective property tax rate of 1.041%, based on a median home value of $132,600 and median real estate taxes of $1,381. That is lower than the Edgecombe County average of 1.098%.
What is the average home price in Pinetops?
The median owner-occupied home value in Pinetops, North Carolina is $132,600, against $116,800 across Edgecombe County.
Is it cheaper to rent or buy in Pinetops?
Median gross rent in Pinetops is $719 a month, against $1,162 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 Pinetops — 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.