Total monthly cost of ownership
Cost to Own a Home in Spout Springs, North Carolina
A $310,000 home here costs
$2,370per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,594. The real number is $776 higher every month — 49% 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.
Spout Springs against Harnett County and North Carolina
| Measure | Spout Springs | Harnett County |
|---|---|---|
| Median home value | $310,100 | $220,700 |
| Median property tax | $2,421 | $1,642 |
| Effective tax rate | 0.781% | 0.744% |
| Median gross rent | $1,794 | $1,080 |
| Population | 11,073 | 136,503 |
The weather behind that power bill
Spout Springs sits in Harnett County, which averages a high of 90.3°F in its hottest month and a low of 29.3°F in its coldest, with 46.64" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,676 cooling and 3,324 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Harnett County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harnett County
Full Harnett County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Spout Springs?
A $310,000 home in Spout Springs, North Carolina costs approximately $2,370 per month with 20% down at 6.66%. That is $1,594 principal and interest, $202 property tax, $112 homeowners insurance, $204 utilities and $258 set aside for maintenance.
What is the property tax rate in Spout Springs?
Spout Springs has an effective property tax rate of 0.781%, based on a median home value of $310,100 and median real estate taxes of $2,421. That is higher than the Harnett County average of 0.744%.
What is the average home price in Spout Springs?
The median owner-occupied home value in Spout Springs, North Carolina is $310,100, against $220,700 across Harnett County.
Is it cheaper to rent or buy in Spout Springs?
Median gross rent in Spout Springs is $1,794 a month, against $2,370 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 Spout Springs — 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.