The typical owner-occupied home in Kelford is worth about $67,800, 77% below the North Carolina median of $288,900 and 80% below the national median of $332,700. Owners pay a median $985 a year in property taxes, about 1.45% of their home's value, higher than the North Carolina rate of 0.66%. 85% of occupied homes here are lived in by their owners, and 20% of those owners still have a mortgage.
Kelford at a glance
| Kelford | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $67,800 | $288,900 | $332,700 |
| Median property tax paid per year | $985 | $1,896 | $3,119 |
| Property tax as a share of value | 1.45% | 0.66% | 0.94% |
| Median household income | – | $72,388 | $80,734 |
| Homes lived in by their owners | 85% | 67% | 65% |
| Owner homes with a mortgage | 20% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,513 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 24.1% | 19.4% | 21.0% |
| Median rent | – | $1,228 | $1,413 |
| Rent as a share of renters' income | 44.4% | 29.5% | 30.6% |
| Median year homes were built | 1971 | 1991 | 1980 |
| Vacant homes | 19.1% | 12.5% | 10.1% |
| Population | 177 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Kelford
At this week's average 30-year rate of 7.11%, buying the median Kelford home of $67,800 with 20% down costs about $475 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $588, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $20,360 for the 20%-down payment.
| Down payment | $13,560 |
|---|---|
| Loan amount | $54,240 |
| Principal and interest | $365 |
| Property taxes (1.45% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| PMI | $0 |
| Total per month | $475 |
Change the numbers in the calculator
| Down payment | $2,373 |
|---|---|
| Loan amount | $66,572 |
| Principal and interest | $448 |
| Property taxes (1.45% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| FHA mortgage insurance | $30 |
| Total per month | $588 |
Change the numbers in the calculator
Questions about home buying in Kelford
What is the median home value in Kelford?
About $67,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kelford?
Homeowners pay a median $985 a year, which is about 1.45% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Kelford?
For the median home with 20% down at 7.11%, the payment is about $475 a month. Keeping that under 28% of gross income takes about $20,360 a year.
More about Kelford
- Mortgage Refinance in Kelford
- Debt Relief in Kelford
- Home Equity Loans in Kelford
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data