Total monthly cost of ownership
Cost to Own a Home in Youngsville, North Carolina
A $405,000 home here costs
$3,137per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,082. The real number is $1,055 higher every month — 51% 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.
Youngsville against Franklin County and North Carolina
| Measure | Youngsville | Franklin County |
|---|---|---|
| Median home value | $404,500 | $240,900 |
| Median property tax | $4,397 | $1,732 |
| Effective tax rate | 1.087% | 0.719% |
| Median gross rent | $1,139 | $988 |
| Population | 2,581 | 71,962 |
The weather behind that power bill
Youngsville sits in Franklin County, which averages a high of 90.2°F in its hottest month and a low of 27.5°F in its coldest, with 48.29" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 1,545 cooling and 3,647 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Franklin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Franklin County
Full Franklin County cost breakdown · Every county in North Carolina
Common questions
How much does it cost to own a home in Youngsville?
A $405,000 home in Youngsville, North Carolina costs approximately $3,137 per month with 20% down at 6.66%. That is $2,082 principal and interest, $367 property tax, $147 homeowners insurance, $204 utilities and $338 set aside for maintenance.
What is the property tax rate in Youngsville?
Youngsville has an effective property tax rate of 1.087%, based on a median home value of $404,500 and median real estate taxes of $4,397. That is higher than the Franklin County average of 0.719%.
What is the average home price in Youngsville?
The median owner-occupied home value in Youngsville, North Carolina is $404,500, against $240,900 across Franklin County.
Is it cheaper to rent or buy in Youngsville?
Median gross rent in Youngsville is $1,139 a month, against $3,137 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 Youngsville — 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.