Total monthly cost of ownership
Cost to Own a Home in Wilson, North Carolina
A $192,000 home here costs
$1,577per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $987. The real number is $590 higher every month — 60% 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.
Wilson against Wilson County and North Carolina
| Measure | Wilson | Wilson County |
|---|---|---|
| Median home value | $192,000 | $171,800 |
| Median property tax | $1,875 | $1,428 |
| Effective tax rate | 0.977% | 0.831% |
| Median gross rent | $925 | $915 |
| Population | 47,740 | 78,648 |
The weather behind that power bill
Wilson sits in Wilson County, which averages a high of 90.2°F in its hottest month and a low of 32.7°F in its coldest, with 50.3" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,842 cooling and 3,062 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Wilson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Wilson County
Full Wilson County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Wilson?
A $192,000 home in Wilson, North Carolina costs approximately $1,577 per month with 20% down at 6.66%. That is $987 principal and interest, $156 property tax, $70 homeowners insurance, $204 utilities and $160 set aside for maintenance.
What is the property tax rate in Wilson?
Wilson has an effective property tax rate of 0.977%, based on a median home value of $192,000 and median real estate taxes of $1,875. That is higher than the Wilson County average of 0.831%.
What is the average home price in Wilson?
The median owner-occupied home value in Wilson, North Carolina is $192,000, against $171,800 across Wilson County.
Is it cheaper to rent or buy in Wilson?
Median gross rent in Wilson is $925 a month, against $1,577 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 Wilson — 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.