Total monthly cost of ownership
Cost to Own a Home in Whiteville, North Carolina
A $173,000 home here costs
$1,435per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $889. The real number is $546 higher every month — 61% 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.
Whiteville against Columbus County and North Carolina
| Measure | Whiteville | Columbus County |
|---|---|---|
| Median home value | $173,100 | $128,300 |
| Median property tax | $1,628 | $1,120 |
| Effective tax rate | 0.940% | 0.873% |
| Median gross rent | $718 | $775 |
| Population | 4,721 | 50,453 |
The weather behind that power bill
Whiteville sits in Columbus County, which averages a high of 90.1°F in its hottest month and a low of 31.9°F in its coldest, with 50.88" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 1,763 cooling and 2,913 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Columbus County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Columbus County
Full Columbus County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Whiteville?
A $173,000 home in Whiteville, North Carolina costs approximately $1,435 per month with 20% down at 6.66%. That is $889 principal and interest, $136 property tax, $63 homeowners insurance, $204 utilities and $144 set aside for maintenance.
What is the property tax rate in Whiteville?
Whiteville has an effective property tax rate of 0.940%, based on a median home value of $173,100 and median real estate taxes of $1,628. That is higher than the Columbus County average of 0.873%.
What is the average home price in Whiteville?
The median owner-occupied home value in Whiteville, North Carolina is $173,100, against $128,300 across Columbus County.
Is it cheaper to rent or buy in Whiteville?
Median gross rent in Whiteville is $718 a month, against $1,435 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 Whiteville — 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.