Total monthly cost of ownership
Cost to Own a Home in Yadkinville, North Carolina
A $173,000 home here costs
$1,466per 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 $63,000 a year.
A standard mortgage calculator would have told you $943. The real number is $522 higher every month, 55% more than the payment most buyers budget for.
Compare Yadkin County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Yadkinville from a five-year rolling sample, and with about 2,986 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 Yadkin 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.
Yadkinville against Yadkin County and North Carolina
| Measure | Yadkinville | Yadkin County |
|---|---|---|
| Median home value | $172,800 | $176,400 |
| Median property tax | $1,149 | $1,210 |
| Effective tax rate | 0.665% | 0.686% |
| Median gross rent | $763 | $734 |
| Population | 2,986 | 37,419 |
The weather behind that power bill
Yadkinville sits in Yadkin County, which averages a high of 86.9°F in its hottest month and a low of 25.3°F in its coldest, with 46.62" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,147 cooling and 4,199 heating degree days, which is what sets the $152 electricity line above.
See the full climate breakdown for Yadkin County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Yadkin County
Full Yadkin County cost breakdown · Every county in North Carolina
Talk to someone who works this market
These are Yadkinville 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 Yadkinville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Yadkinville I already own here and may sell
Common questions
How much does it cost to own a home in Yadkinville?
A $173,000 home in Yadkinville, North Carolina costs approximately $1,466 per month with 20% down at 7.24%. That is $943 principal and interest, $96 property tax, $63 homeowners insurance, $220 utilities and $144 set aside for maintenance.
What is the property tax rate in Yadkinville?
Yadkinville has an effective property tax rate of 0.665%, based on a median home value of $172,800 and median real estate taxes of $1,149. That is lower than the Yadkin County average of 0.686%.
What is the average home price in Yadkinville?
The median owner-occupied home value in Yadkinville, North Carolina is $172,800, against $176,400 across Yadkin County.
Is it cheaper to rent or buy in Yadkinville?
Median gross rent in Yadkinville is $763 a month, against $1,466 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 Yadkinville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Yadkinville, North Carolina at today's rate takes a household income of roughly $63,000 a year. That covers the full $1,466 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Yadkinville, 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.