Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in North Carolina
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
North Carolina ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Robeson County | $394 | $88,600 | 0.902% |
| 2 | Bertie County | $400 | $95,800 | 0.797% |
| 3 | Hyde County | $428 | $119,600 | 0.630% |
| 4 | Scotland County | $437 | $109,900 | 0.909% |
| 5 | Lenoir County | $437 | $111,400 | 0.884% |
| 6 | Greene County | $441 | $114,000 | 0.868% |
| 7 | Halifax County | $441 | $102,500 | 1.135% |
| 8 | Hertford County | $445 | $111,100 | 0.975% |
| 9 | Duplin County | $445 | $123,200 | 0.740% |
| 10 | Jones County | $446 | $122,600 | 0.755% |
| 11 | Northampton County | $447 | $102,200 | 1.205% |
| 12 | Washington County | $450 | $107,000 | 1.123% |
| 13 | Martin County | $451 | $109,900 | 1.070% |
| 14 | Anson County | $457 | $119,300 | 0.933% |
| 15 | Warren County | $459 | $124,700 | 0.849% |
| 16 | Richmond County | $460 | $120,800 | 0.929% |
| 17 | Sampson County | $463 | $128,400 | 0.819% |
| 18 | Bladen County | $467 | $125,800 | 0.904% |
| 19 | Edgecombe County | $468 | $116,800 | 1.098% |
| 20 | Columbus County | $469 | $128,300 | 0.873% |
| 21 | Graham County | $478 | $155,800 | 0.540% |
| 22 | Caswell County | $488 | $151,200 | 0.677% |
| 23 | Montgomery County | $490 | $150,300 | 0.703% |
| 24 | Tyrrell County | $490 | $138,400 | 0.891% |
| 25 | Vance County | $495 | $146,300 | 0.806% |
| 26 | McDowell County | $496 | $168,300 | 0.518% |
| 27 | Wilkes County | $498 | $161,400 | 0.621% |
| 28 | Surry County | $507 | $166,400 | 0.621% |
| 29 | Rockingham County | $511 | $156,000 | 0.788% |
| 30 | Wayne County | $517 | $162,700 | 0.744% |
| 31 | Caldwell County | $523 | $174,000 | 0.639% |
| 32 | Gates County | $524 | $163,900 | 0.777% |
| 33 | Burke County | $525 | $170,500 | 0.699% |
| 34 | Rutherford County | $526 | $180,800 | 0.582% |
| 35 | Randolph County | $530 | $171,600 | 0.720% |
| 36 | Yadkin County | $534 | $176,400 | 0.686% |
| 37 | Nash County | $536 | $171,100 | 0.771% |
| 38 | Cleveland County | $541 | $180,200 | 0.688% |
| 39 | Stokes County | $542 | $186,800 | 0.620% |
| 40 | Swain County | $543 | $209,800 | 0.402% |
| 41 | Beaufort County | $545 | $181,200 | 0.705% |
| 42 | Wilson County | $546 | $171,800 | 0.831% |
| 43 | Mitchell County | $548 | $202,100 | 0.502% |
| 44 | Alexander County | $549 | $190,000 | 0.631% |
| 45 | Cherokee County | $559 | $208,700 | 0.501% |
| 46 | Person County | $560 | $192,800 | 0.668% |
| 47 | Alleghany County | $560 | $199,000 | 0.604% |
| 48 | Davidson County | $566 | $200,100 | 0.631% |
| 49 | Hoke County | $569 | $196,000 | 0.692% |
| 50 | Yancey County | $576 | $222,300 | 0.476% |
| 51 | Macon County | $577 | $229,000 | 0.428% |
| 52 | Pamlico County | $577 | $209,800 | 0.599% |
| 53 | Avery County | $581 | $233,200 | 0.414% |
| 54 | Ashe County | $582 | $221,900 | 0.512% |
| 55 | Craven County | $583 | $206,200 | 0.665% |
| 56 | Chowan County | $583 | $204,400 | 0.686% |
| 57 | Perquimans County | $585 | $211,600 | 0.622% |
| 58 | Stanly County | $589 | $214,300 | 0.622% |
| 59 | Pitt County | $592 | $194,300 | 0.849% |
| 60 | Catawba County | $593 | $218,100 | 0.605% |
| 61 | Cumberland County | $593 | $183,700 | 0.992% |
| 62 | Rowan County | $598 | $216,100 | 0.653% |
| 63 | Jackson County | $604 | $253,900 | 0.369% |
| 64 | Onslow County | $604 | $219,500 | 0.652% |
| 65 | Alamance County | $606 | $221,200 | 0.651% |
| 66 | Pasquotank County | $618 | $223,300 | 0.693% |
| 67 | Lee County | $620 | $213,800 | 0.798% |
| 68 | Harnett County | $623 | $220,700 | 0.744% |
| 69 | Davie County | $634 | $235,300 | 0.667% |
| 70 | Clay County | $636 | $263,300 | 0.451% |
| 71 | Granville County | $645 | $235,700 | 0.719% |
| 72 | Madison County | $646 | $263,500 | 0.496% |
| 73 | Franklin County | $654 | $240,900 | 0.719% |
| 74 | Haywood County | $654 | $254,900 | 0.601% |
| 75 | Forsyth County | $655 | $227,800 | 0.849% |
| 76 | Gaston County | $659 | $235,000 | 0.797% |
| 77 | Guilford County | $676 | $234,900 | 0.883% |
| 78 | Polk County | $694 | $281,100 | 0.579% |
| 79 | Lincoln County | $694 | $279,500 | 0.594% |
| 80 | Johnston County | $695 | $267,600 | 0.688% |
| 81 | Pender County | $696 | $267,100 | 0.696% |
| 82 | Carteret County | $700 | $304,200 | 0.450% |
| 83 | Camden County | $717 | $289,800 | 0.616% |
| 84 | Watauga County | $718 | $321,500 | 0.415% |
| 85 | Iredell County | $725 | $292,300 | 0.631% |
| 86 | Henderson County | $741 | $317,800 | 0.525% |
| 87 | Brunswick County | $747 | $314,700 | 0.568% |
| 88 | Moore County | $748 | $315,300 | 0.566% |
| 89 | Transylvania County | $752 | $336,100 | 0.458% |
| 90 | Currituck County | $775 | $351,200 | 0.456% |
| 91 | Cabarrus County | $805 | $318,600 | 0.762% |
| 92 | New Hanover County | $818 | $353,700 | 0.587% |
| 93 | Buncombe County | $833 | $360,000 | 0.601% |
| 94 | Union County | $861 | $374,400 | 0.614% |
| 95 | Durham County | $888 | $351,700 | 0.839% |
| 96 | Mecklenburg County | $897 | $371,200 | 0.749% |
| 97 | Dare County | $918 | $425,400 | 0.528% |
| 98 | Chatham County | $920 | $397,800 | 0.671% |
| 99 | Wake County | $979 | $422,800 | 0.715% |
| 100 | Orange County | $1,076 | $428,500 | 0.958% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in North Carolina