What is the average mortgage rate in North Carolina in 2026?
Around 7.46% as of October 19, 2026, in line with national average.
Best Mortgage Rates North Carolina 2026
North Carolina has a growing housing market with an average home value of $332,681 in 2026. The state has a flat income tax rate of 4.25% in 2026, reduced from 4.5% in 2025, and a modest deed stamp tax of 0.20%.
30-year fixed
7.46%
National avg
15-year fixed
6.82%
National avg
5/1 ARM
6.82%
National avg
| Product | Rate (APR) |
|---|---|
| 30-year fixed (national avg) | 7.46% |
| 15-year fixed (national avg) | 6.82% |
| 5/1 ARM (national avg) | 6.82% |
Rates verified Oct 21, 2026
Rates shown are national benchmark averages from the site data file, not live quotes from lenders. Confirm pricing with banks and brokers in North Carolina. Not financial advice.
North Carolina at a glance
- Average home price: $332,681
- State income tax: Yes (4.25% flat rate in 2026)
- Land transfer tax: Yes ($1.00 per $500, approximately 0.20%)
- Typical monthly payment: $1,854/mo on $332,681 with 20% down, 30-year term, at 7.46% — excludes taxes, insurance, and HOA.
Frequently Asked Questions
Does North Carolina have a real estate transfer tax?
Yes — a deed stamp tax of $1.00 per $500 of sale price, approximately 0.20%.
What is the average home price in North Carolina in 2026?
$332,681 — below the national median, reflecting strong affordability.
How much do I need to earn to afford a home in North Carolina?
To afford $332,681 with 20% down at 7.46%, you need approximately $75,000–$80,000 annual income.
North Carolina mortgage calculator · Educational reference only. Not financial or lending advice.