Total monthly cost of ownership
Cost to Own a Home in Rose Hill, North Carolina
A $116,000 home here costs
$1,095per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $47,000 a year.
A standard mortgage calculator would have told you $632. The real number is $463 higher every month, 73% more than the payment most buyers budget for.
Compare Duplin County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Rose Hill from a five-year rolling sample, and with about 1,501 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Duplin County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Rose Hill against Duplin County and North Carolina
| Measure | Rose Hill | Duplin County |
|---|---|---|
| Median home value | $116,200 | $123,200 |
| Median property tax | $1,257 | $912 |
| Effective tax rate | 1.082% | 0.740% |
| Median gross rent | $815 | $815 |
| Population | 1,501 | 49,053 |
The weather behind that power bill
Rose Hill sits in Duplin County, which averages a high of 88.0°F in its hottest month and a low of 29.5°F in its coldest, with 51.96" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 1,419 cooling and 3,489 heating degree days, which is what sets the $152 electricity line above.
See the full climate breakdown for Duplin County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Duplin County
Full Duplin County cost breakdown · Every county in North Carolina
Talk to someone who works this market
These are Rose Hill averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Rose Hill every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Rose Hill I already own here and may sell
Common questions
How much does it cost to own a home in Rose Hill?
A $116,000 home in Rose Hill, North Carolina costs approximately $1,095 per month with 20% down at 7.24%. That is $632 principal and interest, $105 property tax, $42 homeowners insurance, $220 utilities and $97 set aside for maintenance.
What is the property tax rate in Rose Hill?
Rose Hill has an effective property tax rate of 1.082%, based on a median home value of $116,200 and median real estate taxes of $1,257. That is higher than the Duplin County average of 0.740%.
What is the average home price in Rose Hill?
The median owner-occupied home value in Rose Hill, North Carolina is $116,200, against $123,200 across Duplin County.
Is it cheaper to rent or buy in Rose Hill?
Median gross rent in Rose Hill is $815 a month, against $1,095 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Rose Hill?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Rose Hill, North Carolina at today's rate takes a household income of roughly $47,000 a year. That covers the full $1,095 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Rose Hill, 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.