Total monthly cost of ownership
Cost to Own a Home in Richlands, North Carolina
A $218,000 home here costs
$1,701per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,121. The real number is $580 higher every month — 52% 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.
Richlands against Onslow County and North Carolina
| Measure | Richlands | Onslow County |
|---|---|---|
| Median home value | $217,800 | $219,500 |
| Median property tax | $1,389 | $1,431 |
| Effective tax rate | 0.638% | 0.652% |
| Median gross rent | $929 | $1,198 |
| Population | 2,387 | 208,537 |
The weather behind that power bill
Richlands sits in Onslow County, which averages a high of 89.3°F in its hottest month and a low of 35.2°F in its coldest, with 56.51" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 2,022 cooling and 2,497 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Onslow County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Onslow County
Full Onslow County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Richlands?
A $218,000 home in Richlands, North Carolina costs approximately $1,701 per month with 20% down at 6.66%. That is $1,121 principal and interest, $116 property tax, $79 homeowners insurance, $204 utilities and $182 set aside for maintenance.
What is the property tax rate in Richlands?
Richlands has an effective property tax rate of 0.638%, based on a median home value of $217,800 and median real estate taxes of $1,389. That is lower than the Onslow County average of 0.652%.
What is the average home price in Richlands?
The median owner-occupied home value in Richlands, North Carolina is $217,800, against $219,500 across Onslow County.
Is it cheaper to rent or buy in Richlands?
Median gross rent in Richlands is $929 a month, against $1,701 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 Richlands — 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.