North Carolina Mortgage Calculator
Calculate your monthly mortgage payments in North Carolina with our free calculator. Includes local property tax rates and insurance estimates.
NC Mortgage Calculator
Calculate monthly payments for North Carolina properties
$60000.00
$2520.00 per year
$1200.00 per year
Payment Summary
Principal & Interest$1516.96
Property Tax$210.00
Home Insurance$100.00
Total Monthly Payment$1826.96
Loan Amount$240000.00
Total Interest$306106.77
Total Loan Payment$546106.77
Payoff Date1/21/2055
North Carolina Quick Facts
- Average Property Tax Rate:
- 0.84%
- Average Home Insurance Rate:
- 0.40%
First-Time Home Buyer Programs in NC
North Carolina offers several programs for first-time home buyers:
- NC Home Advantage Mortgage
- NC 1st Home Advantage Down Payment
- NC Mortgage Credit Certificate
- Community Partners Loan Pool
North Carolina Property Tax Rates by County
| County | Tax Rate | Median Home Value |
|---|---|---|
| Mecklenburg County | 0.99% | $375,000 |
| Wake County | 0.92% | $425,000 |
| Guilford County | 0.88% | $245,000 |
| Forsyth County | 0.87% | $225,000 |
| Cumberland County | 0.85% | $185,000 |
| Durham County | 0.95% | $385,000 |
| Buncombe County | 0.83% | $365,000 |
| Union County | 0.78% | $415,000 |
| New Hanover County | 0.86% | $395,000 |
| Gaston County | 0.89% | $255,000 |
North Carolina Mortgage Guide
Key considerations for North Carolina mortgages:
- Moderate property tax rates
- Higher insurance in coastal areas
- Strong appreciation in urban markets
- Comprehensive buyer assistance programs
Related Resources
State Housing Resources
- Official North Carolina Housing Authority
- State Property Tax Information
- First-Time Homebuyer Programs
Additional Calculators
- Property Tax Calculator
- Home Insurance Calculator
- Refinance Calculator
Data sources: State property tax records, county assessor offices, and local real estate data.
Last updated: 1/21/2025