The typical owner-occupied home in White Oak is worth about $407,100, 41% above the North Carolina median of $288,900 and 22% above the national median of $332,700. The median household earns $98,929 a year, so the median home costs 4.1 times the median income (4.0 times for North Carolina). 100% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
White Oak at a glance
| White Oak | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $407,100 | $288,900 | $332,700 |
| Median property tax paid per year | – | $1,896 | $3,119 |
| Median household income | $98,929 | $72,388 | $80,734 |
| Homes lived in by their owners | 100% | 67% | 65% |
| Owner homes with a mortgage | 53% | 61% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,631 | $1,963 |
| Median rent | – | $1,228 | $1,413 |
| Median year homes were built | 2005 | 1991 | 1980 |
| Vacant homes | 45.7% | 12.5% | 10.1% |
| Population | 191 | 10,730,404 | 334,922,499 |
What a typical home costs per month in White Oak
At this week's average 30-year rate of 7.11%, buying the median White Oak home of $407,100 with 20% down costs about $2,734 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,412, 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 $117,157 for the 20%-down payment. That payment is 33% of the median White Oak household income of $98,929; at that income and 20% down, the 28% guideline points to a home of about $344,000.
| Down payment | $81,420 |
|---|---|
| Loan amount | $325,680 |
| Principal and interest | $2,191 |
| Property taxes (1.10% a year) | $373 |
| Homeowners insurance (our estimate, 0.5% a year) | $170 |
| PMI | $0 |
| Total per month | $2,734 |
Change the numbers in the calculator
| Down payment | $14,248 |
|---|---|
| Loan amount | $399,726 |
| Principal and interest | $2,689 |
| Property taxes (1.10% a year) | $373 |
| Homeowners insurance (our estimate, 0.5% a year) | $170 |
| FHA mortgage insurance | $180 |
| Total per month | $3,412 |
Change the numbers in the calculator
Questions about home buying in White Oak
What is the median home value in White Oak?
About $407,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in White Oak?
For the median home with 20% down at 7.11%, the payment is about $2,734 a month. Keeping that under 28% of gross income takes about $117,157 a year.
More about White Oak
- Mortgage Refinance in White Oak
- Debt Relief in White Oak
- Home Equity Loans in White Oak
- 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