Total monthly cost of ownership
Cost to Own a Home in Windsor, North Carolina
A $111,000 home here costs
$971per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $571. The real number is $400 higher every month — 70% 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.
Windsor against Bertie County and North Carolina
| Measure | Windsor | Bertie County |
|---|---|---|
| Median home value | $111,400 | $95,800 |
| Median property tax | $772 | $764 |
| Effective tax rate | 0.693% | 0.797% |
| Median gross rent | $682 | $824 |
| Population | 3,417 | 17,482 |
The weather behind that power bill
Windsor sits in Bertie County, which averages a high of 89.1°F in its hottest month and a low of 33.3°F in its coldest, with 49.48" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 1,754 cooling and 3,145 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Bertie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bertie County
No other places of this size are published in Bertie County.
Full Bertie County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Windsor?
A $111,000 home in Windsor, North Carolina costs approximately $971 per month with 20% down at 6.66%. That is $571 principal and interest, $64 property tax, $40 homeowners insurance, $204 utilities and $93 set aside for maintenance.
What is the property tax rate in Windsor?
Windsor has an effective property tax rate of 0.693%, based on a median home value of $111,400 and median real estate taxes of $772. That is lower than the Bertie County average of 0.797%.
What is the average home price in Windsor?
The median owner-occupied home value in Windsor, North Carolina is $111,400, against $95,800 across Bertie County.
Is it cheaper to rent or buy in Windsor?
Median gross rent in Windsor is $682 a month, against $971 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 Windsor — 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.