Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in North Carolina
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
North Carolina ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Dare County | 28.8% | $918 | $3,189 |
| 2 | Currituck County | 29.3% | $775 | $2,650 |
| 3 | Watauga County | 29.5% | $718 | $2,434 |
| 4 | Transylvania County | 29.5% | $752 | $2,546 |
| 5 | Union County | 30.1% | $861 | $2,860 |
| 6 | Carteret County | 30.1% | $700 | $2,324 |
| 7 | New Hanover County | 30.2% | $818 | $2,706 |
| 8 | Chatham County | 30.2% | $920 | $3,044 |
| 9 | Buncombe County | 30.2% | $833 | $2,755 |
| 10 | Wake County | 30.3% | $979 | $3,237 |
| 11 | Henderson County | 30.4% | $741 | $2,438 |
| 12 | Moore County | 30.8% | $748 | $2,431 |
| 13 | Brunswick County | 30.8% | $747 | $2,427 |
| 14 | Jackson County | 30.8% | $604 | $1,959 |
| 15 | Clay County | 31.1% | $636 | $2,041 |
| 16 | Mecklenburg County | 31.2% | $897 | $2,879 |
| 17 | Madison County | 31.5% | $646 | $2,053 |
| 18 | Polk County | 31.6% | $694 | $2,194 |
| 19 | Camden County | 31.7% | $717 | $2,264 |
| 20 | Iredell County | 31.7% | $725 | $2,286 |
| 21 | Lincoln County | 31.8% | $694 | $2,187 |
| 22 | Avery County | 31.8% | $581 | $1,826 |
| 23 | Orange County | 32.0% | $1,076 | $3,364 |
| 24 | Macon County | 32.1% | $577 | $1,800 |
| 25 | Durham County | 32.1% | $888 | $2,766 |
| 26 | Cabarrus County | 32.1% | $805 | $2,506 |
| 27 | Haywood County | 32.5% | $654 | $2,015 |
| 28 | Swain County | 32.7% | $543 | $1,663 |
| 29 | Yancey County | 32.7% | $576 | $1,763 |
| 30 | Johnston County | 32.7% | $695 | $2,124 |
| 31 | Pender County | 32.8% | $696 | $2,122 |
| 32 | Ashe County | 32.9% | $582 | $1,767 |
| 33 | Cherokee County | 33.4% | $559 | $1,673 |
| 34 | Davie County | 33.5% | $634 | $1,890 |
| 35 | Mitchell County | 33.7% | $548 | $1,627 |
| 36 | Franklin County | 33.7% | $654 | $1,940 |
| 37 | Catawba County | 33.7% | $593 | $1,757 |
| 38 | Granville County | 33.9% | $645 | $1,903 |
| 39 | Alamance County | 33.9% | $606 | $1,787 |
| 40 | Stanly County | 34.0% | $589 | $1,733 |
| 41 | Onslow County | 34.0% | $604 | $1,775 |
| 42 | Pamlico County | 34.0% | $577 | $1,698 |
| 43 | Perquimans County | 34.1% | $585 | $1,714 |
| 44 | Rowan County | 34.1% | $598 | $1,752 |
| 45 | Pasquotank County | 34.1% | $618 | $1,810 |
| 46 | Gaston County | 34.4% | $659 | $1,914 |
| 47 | Alleghany County | 34.5% | $560 | $1,622 |
| 48 | Harnett County | 34.6% | $623 | $1,801 |
| 49 | Craven County | 34.6% | $583 | $1,684 |
| 50 | Davidson County | 34.6% | $566 | $1,635 |
| 51 | Chowan County | 34.8% | $583 | $1,674 |
| 52 | Guilford County | 35.0% | $676 | $1,930 |
| 53 | Forsyth County | 35.0% | $655 | $1,872 |
| 54 | Alexander County | 35.1% | $549 | $1,563 |
| 55 | Lee County | 35.2% | $620 | $1,761 |
| 56 | Stokes County | 35.2% | $542 | $1,539 |
| 57 | Person County | 35.2% | $560 | $1,589 |
| 58 | Hoke County | 35.2% | $569 | $1,616 |
| 59 | Rutherford County | 35.3% | $526 | $1,491 |
| 60 | McDowell County | 35.6% | $496 | $1,394 |
| 61 | Cleveland County | 36.0% | $541 | $1,503 |
| 62 | Caldwell County | 36.0% | $523 | $1,452 |
| 63 | Beaufort County | 36.0% | $545 | $1,512 |
| 64 | Yadkin County | 36.2% | $534 | $1,475 |
| 65 | Pitt County | 36.3% | $592 | $1,629 |
| 66 | Surry County | 36.3% | $507 | $1,395 |
| 67 | Graham County | 36.5% | $478 | $1,310 |
| 68 | Burke County | 36.6% | $525 | $1,435 |
| 69 | Wilkes County | 36.6% | $498 | $1,360 |
| 70 | Randolph County | 36.7% | $530 | $1,446 |
| 71 | Nash County | 37.0% | $536 | $1,450 |
| 72 | Wayne County | 37.3% | $517 | $1,386 |
| 73 | Wilson County | 37.3% | $546 | $1,463 |
| 74 | Gates County | 37.5% | $524 | $1,399 |
| 75 | Caswell County | 37.7% | $488 | $1,295 |
| 76 | Cumberland County | 37.7% | $593 | $1,574 |
| 77 | Montgomery County | 37.9% | $490 | $1,292 |
| 78 | Rockingham County | 38.0% | $511 | $1,344 |
| 79 | Vance County | 38.8% | $495 | $1,276 |
| 80 | Tyrrell County | 39.9% | $490 | $1,229 |
| 81 | Hyde County | 40.1% | $428 | $1,066 |
| 82 | Sampson County | 40.3% | $463 | $1,149 |
| 83 | Duplin County | 40.4% | $445 | $1,103 |
| 84 | Jones County | 40.5% | $446 | $1,100 |
| 85 | Columbus County | 40.6% | $469 | $1,154 |
| 86 | Warren County | 40.8% | $459 | $1,125 |
| 87 | Bladen County | 41.0% | $467 | $1,139 |
| 88 | Richmond County | 41.6% | $460 | $1,105 |
| 89 | Anson County | 41.8% | $457 | $1,094 |
| 90 | Greene County | 42.0% | $441 | $1,049 |
| 91 | Lenoir County | 42.4% | $437 | $1,032 |
| 92 | Scotland County | 42.7% | $437 | $1,023 |
| 93 | Hertford County | 42.9% | $445 | $1,038 |
| 94 | Edgecombe County | 42.9% | $468 | $1,092 |
| 95 | Martin County | 43.5% | $451 | $1,038 |
| 96 | Bertie County | 43.9% | $400 | $911 |
| 97 | Washington County | 44.1% | $450 | $1,021 |
| 98 | Halifax County | 44.6% | $441 | $989 |
| 99 | Northampton County | 45.0% | $447 | $992 |
| 100 | Robeson County | 45.5% | $394 | $867 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in North Carolina