North Carolina (NC) · South Real Estate Profile
North Carolina Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in North Carolina. In North Carolina, the effective statewide property tax rate averages 0.80% and homeowners insurance averages 0.55% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.80%
Homeowners Insurance0.55%
Median Home Price$330,000
Conforming Loan Limit$766,550
Property Tax Context for North Carolina: At 0.80%, a median-priced home of $330,000 pays roughly $2,640 per year in property taxes ($220/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View North Carolina Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for North Carolina residents.
Monthly Payment Benchmarks in North Carolina (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | NC Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $125/mo | $1,159/mo | $50,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $208/mo | $1,932/mo | $83,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $292/mo | $2,704/mo | $116,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $375/mo | $3,477/mo | $149,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $458/mo | $4,250/mo | $182,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $625/mo | $5,795/mo | $248,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $833/mo | $7,727/mo | $331,000/yr | View schedule → |
Browse all 25 loan amounts in North Carolina
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in NC$773/mo$150k in NC$1,159/mo$200k in NC$1,545/mo$250k in NC$1,932/mo$300k in NC$2,318/mo$350k in NC$2,704/mo$400k in NC$3,091/mo$450k in NC$3,477/mo$500k in NC$3,863/mo$550k in NC$4,250/mo$600k in NC$4,636/mo$650k in NC$5,023/mo$700k in NC$5,409/mo$750k in NC$5,795/mo$800k in NC$6,182/mo$850k in NC$6,568/mo$900k in NC$6,954/mo$950k in NC$7,341/mo$1 million in NC$7,727/mo$1.1 million in NC$8,500/mo$1.2 million in NC$9,272/mo$1.3 million in NC$10,045/mo$1.4 million in NC$10,818/mo$1.5 million in NC$11,590/mo$2 million in NC$15,454/mo
Explore neighboring South states
Compare mortgage payment benchmarks and property taxes across neighboring South jurisdictions:
Alabama (0.40% tax)View guide →Arkansas (0.62% tax)View guide →District of Columbia (0.57% tax)View guide →Florida (0.86% tax)View guide →Georgia (0.88% tax)View guide →Kentucky (0.83% tax)View guide →
Closing Costs & Transfer Tax in North Carolina
Excise tax on conveyances is $1.00 per $500 ($2.00 per $1,000) paid by the seller at deed recording.