Mortgage Calculator

North Carolina Mortgage Calculator

The true cost of owning a home in North Carolina includes property tax at 0.82%, homeowners insurance averaging $1,450/year, transfer tax, plus PMI if your down payment is under 20 percent.

Current 30 year fixed, conventional: 6.85% · as of October 10, 2026

Start from a preset:

Your home

Home price

State median: $320,000

Down payment

Loan term Shorter term = higher payment, less total interest

Your loan

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Interest rate

Live FRED 30yr fixed: 6.85%

Monthly extras

Property tax rate

North Carolina average: 0.82%

Home insurance

State average: $1,450/yr

HOA fees

Leave 0 if no HOA

Your monthly payment

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Payment breakdown

Principal & interest—

Property tax—

Home insurance—

PMI—

MIP (FHA/USDA)—

HOA—

Loan summary

Loan amount—

Down payment—

Total interest—

Loan payoff—

At closing

North Carolina closing costs

North Carolina charges a real estate transfer tax of about 0.200% of the sale price, typically paid by the seller.

$1 per $500 ($2 per $1000)

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Other South states

Same calculator, different numbers. Pick one to see how North Carolina's costs compare.