Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in North Carolina
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
North Carolina ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Robeson County | 45.5% | $394 | $867 |
| 2 | Northampton County | 45.0% | $447 | $992 |
| 3 | Halifax County | 44.6% | $441 | $989 |
| 4 | Washington County | 44.1% | $450 | $1,021 |
| 5 | Bertie County | 43.9% | $400 | $911 |
| 6 | Martin County | 43.5% | $451 | $1,038 |
| 7 | Edgecombe County | 42.9% | $468 | $1,092 |
| 8 | Hertford County | 42.9% | $445 | $1,038 |
| 9 | Scotland County | 42.7% | $437 | $1,023 |
| 10 | Lenoir County | 42.4% | $437 | $1,032 |
| 11 | Greene County | 42.0% | $441 | $1,049 |
| 12 | Anson County | 41.8% | $457 | $1,094 |
| 13 | Richmond County | 41.6% | $460 | $1,105 |
| 14 | Bladen County | 41.0% | $467 | $1,139 |
| 15 | Warren County | 40.8% | $459 | $1,125 |
| 16 | Columbus County | 40.6% | $469 | $1,154 |
| 17 | Jones County | 40.5% | $446 | $1,100 |
| 18 | Duplin County | 40.4% | $445 | $1,103 |
| 19 | Sampson County | 40.3% | $463 | $1,149 |
| 20 | Hyde County | 40.1% | $428 | $1,066 |
| 21 | Tyrrell County | 39.9% | $490 | $1,229 |
| 22 | Vance County | 38.8% | $495 | $1,276 |
| 23 | Rockingham County | 38.0% | $511 | $1,344 |
| 24 | Montgomery County | 37.9% | $490 | $1,292 |
| 25 | Cumberland County | 37.7% | $593 | $1,574 |
| 26 | Caswell County | 37.7% | $488 | $1,295 |
| 27 | Gates County | 37.5% | $524 | $1,399 |
| 28 | Wilson County | 37.3% | $546 | $1,463 |
| 29 | Wayne County | 37.3% | $517 | $1,386 |
| 30 | Nash County | 37.0% | $536 | $1,450 |
| 31 | Randolph County | 36.7% | $530 | $1,446 |
| 32 | Wilkes County | 36.6% | $498 | $1,360 |
| 33 | Burke County | 36.6% | $525 | $1,435 |
| 34 | Graham County | 36.5% | $478 | $1,310 |
| 35 | Surry County | 36.3% | $507 | $1,395 |
| 36 | Pitt County | 36.3% | $592 | $1,629 |
| 37 | Yadkin County | 36.2% | $534 | $1,475 |
| 38 | Beaufort County | 36.0% | $545 | $1,512 |
| 39 | Caldwell County | 36.0% | $523 | $1,452 |
| 40 | Cleveland County | 36.0% | $541 | $1,503 |
| 41 | McDowell County | 35.6% | $496 | $1,394 |
| 42 | Rutherford County | 35.3% | $526 | $1,491 |
| 43 | Hoke County | 35.2% | $569 | $1,616 |
| 44 | Person County | 35.2% | $560 | $1,589 |
| 45 | Stokes County | 35.2% | $542 | $1,539 |
| 46 | Lee County | 35.2% | $620 | $1,761 |
| 47 | Alexander County | 35.1% | $549 | $1,563 |
| 48 | Forsyth County | 35.0% | $655 | $1,872 |
| 49 | Guilford County | 35.0% | $676 | $1,930 |
| 50 | Chowan County | 34.8% | $583 | $1,674 |
| 51 | Davidson County | 34.6% | $566 | $1,635 |
| 52 | Craven County | 34.6% | $583 | $1,684 |
| 53 | Harnett County | 34.6% | $623 | $1,801 |
| 54 | Alleghany County | 34.5% | $560 | $1,622 |
| 55 | Gaston County | 34.4% | $659 | $1,914 |
| 56 | Pasquotank County | 34.1% | $618 | $1,810 |
| 57 | Rowan County | 34.1% | $598 | $1,752 |
| 58 | Perquimans County | 34.1% | $585 | $1,714 |
| 59 | Pamlico County | 34.0% | $577 | $1,698 |
| 60 | Onslow County | 34.0% | $604 | $1,775 |
| 61 | Stanly County | 34.0% | $589 | $1,733 |
| 62 | Alamance County | 33.9% | $606 | $1,787 |
| 63 | Granville County | 33.9% | $645 | $1,903 |
| 64 | Catawba County | 33.7% | $593 | $1,757 |
| 65 | Franklin County | 33.7% | $654 | $1,940 |
| 66 | Mitchell County | 33.7% | $548 | $1,627 |
| 67 | Davie County | 33.5% | $634 | $1,890 |
| 68 | Cherokee County | 33.4% | $559 | $1,673 |
| 69 | Ashe County | 32.9% | $582 | $1,767 |
| 70 | Pender County | 32.8% | $696 | $2,122 |
| 71 | Johnston County | 32.7% | $695 | $2,124 |
| 72 | Yancey County | 32.7% | $576 | $1,763 |
| 73 | Swain County | 32.7% | $543 | $1,663 |
| 74 | Haywood County | 32.5% | $654 | $2,015 |
| 75 | Cabarrus County | 32.1% | $805 | $2,506 |
| 76 | Durham County | 32.1% | $888 | $2,766 |
| 77 | Macon County | 32.1% | $577 | $1,800 |
| 78 | Orange County | 32.0% | $1,076 | $3,364 |
| 79 | Avery County | 31.8% | $581 | $1,826 |
| 80 | Lincoln County | 31.8% | $694 | $2,187 |
| 81 | Iredell County | 31.7% | $725 | $2,286 |
| 82 | Camden County | 31.7% | $717 | $2,264 |
| 83 | Polk County | 31.6% | $694 | $2,194 |
| 84 | Madison County | 31.5% | $646 | $2,053 |
| 85 | Mecklenburg County | 31.2% | $897 | $2,879 |
| 86 | Clay County | 31.1% | $636 | $2,041 |
| 87 | Jackson County | 30.8% | $604 | $1,959 |
| 88 | Brunswick County | 30.8% | $747 | $2,427 |
| 89 | Moore County | 30.8% | $748 | $2,431 |
| 90 | Henderson County | 30.4% | $741 | $2,438 |
| 91 | Wake County | 30.3% | $979 | $3,237 |
| 92 | Buncombe County | 30.2% | $833 | $2,755 |
| 93 | Chatham County | 30.2% | $920 | $3,044 |
| 94 | New Hanover County | 30.2% | $818 | $2,706 |
| 95 | Carteret County | 30.1% | $700 | $2,324 |
| 96 | Union County | 30.1% | $861 | $2,860 |
| 97 | Transylvania County | 29.5% | $752 | $2,546 |
| 98 | Watauga County | 29.5% | $718 | $2,434 |
| 99 | Currituck County | 29.3% | $775 | $2,650 |
| 100 | Dare County | 28.8% | $918 | $3,189 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in North Carolina