North Carolina Mortgage Calculator
Estimate your monthly mortgage payment in North Carolina, pre-filled with the state's median home price and ~0.73% property tax rate.
Updated June 2026 · Reviewed by the apitpi team · How we calculate
Taxes, insurance & extra payments
Estimated monthly payment
$2,189
$1,820 principal & interest
- Loan amount
- $288,000
- Total interest
- $367,328
- Total of payments
- $655,328
- Payoff date
- Jun 2056
Loan balance over time
Buying a home in North Carolina
The median single-family home in North Carolina costs around $360,000. With a 20% down payment and a 6.5% 30-year fixed rate, the principal and interest works out to roughly $1,820/month — before adding property tax and homeowners insurance.
North Carolina's property tax matters: at an effective rate near 0.73%, expect about $2,628/year ($219/month) on a median-priced home. The calculator above already includes this estimate — adjust it to match your county.
How North Carolina compares
Among all 50 states, North Carolina has the 24th highest median home price and the 35th highest effective property tax rate. Homes here cost about 3% more than the national median, and property taxes run below the typical state.
| North Carolina | U.S. median | |
|---|---|---|
| Median home price | $360,000 | $350,000 |
| Property tax rate | 0.73% | 0.88% |
| Annual property tax (median home) | $2,628 | $3,080 |
Median price and tax rate are estimates for guidance only. Conforming loan limits: see the FHFA; current rates: Freddie Mac PMMS.
Frequently asked questions
What are property taxes like in North Carolina? +
North Carolina's effective property tax rate is roughly 0.73% of home value per year. On the state's median home price of about $360,000, that's around $2,628 per year, or $219 per month added to your payment.
What's the monthly payment on a median-priced home in North Carolina? +
With 20% down on North Carolina's median home (~$360,000) at a 6.5% rate over 30 years, the principal and interest is about $1,820 per month, before property tax and insurance. Enter your own numbers above for an exact figure.
Is this mortgage calculator free? +
Yes — free, no signup, and all calculations run privately in your browser.