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North Carolina
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How Much Will Your Mortgage Be in North Carolina?
North Carolina is the ninth-largest state by population with nearly 11 million residents living mainly in the center of the state in big cities including Charlotte, Raleigh, Greensboro, Durham, and Winston-Salem.
The price of a home in the Tar Heel state has risen just over 7% between 2018 and 2019, with the median home value being $188,200 as of September 2019. In addition, homes in North Carolina tend to stay on the market for nearly 200 days. Also, see FHA Loan in North Carolina for details and requirements for a home in the state.
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North Carolina Home and Mortgage
Stats to Know
County | Avg. Home Price | Avg. Days on Market |
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Source of Info PropertyPath
Factors That Can Affect Your North Carolina Mortgage Calculations
The most affordable places in the state are Sawmills, Stokesdale, Lewisville, Half Moon, and Indian Trail as it relates to homeowners insurance, mortgage payments, closing costs, and real estate taxes.
When it comes to North Carolina’s urban centers, the median home value is at about $230,000 in Charlotte while the average listing price is $292,000. In Raleigh, the median value and price is $278,400 and $335,000, respectively.
One substantial benefit to living here is that, while there is a state income tax, it’s at a flat rate of 5.25% across the board. In addition, there is no estate tax in North Carolina.
North Carolina Job Stats to Consider
Once dominated by the agriculture and manufacturing industries, North Carolina’s economy has diversified into the finance (its largest industry), insurance, real estate, rental, and leasing sectors. At the same time the largest U-based textile mill industry is found in North Carolina.
Another considerable employer in the state is the automotive industry thanks to Daimler Trucks and Caterpillar being based here. The state’s three large universities in Duke, North Carolina State and UNC Chapel Hill also employ thousands of people.
North Carolina's economy is robust, having a GDP of $565 billion in 2018. A dozen of Fortune 500 companies call the state home, such as Bank of America, Lowe’s, and Duke Energy.
The per capital income in 2018 for North Carolina residents was roughly $46,117, while the unemployment rate was slightly higher than the national average of 3.5%.