The typical owner-occupied home in Harrisburg is worth about $478,000, 65% above the North Carolina median of $288,900 and 44% above the national median of $332,700. Owners pay a median $3,391 a year in property taxes, about 0.71% of their home's value, higher than the North Carolina rate of 0.66%. The median household earns $148,254 a year, so the median home costs 3.2 times the median income (4.0 times for North Carolina). 92% of occupied homes here are lived in by their owners, and 79% of those owners still have a mortgage.
Harrisburg at a glance
| Harrisburg | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $478,000 | $288,900 | $332,700 |
| Median property tax paid per year | $3,391 | $1,896 | $3,119 |
| Property tax as a share of value | 0.71% | 0.66% | 0.94% |
| Median household income | $148,254 | $72,388 | $80,734 |
| Homes lived in by their owners | 92% | 67% | 65% |
| Owner homes with a mortgage | 79% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $2,216 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 17.4% | 19.4% | 21.0% |
| Median rent | $2,640 | $1,228 | $1,413 |
| Rent as a share of renters' income | 25.1% | 29.5% | 30.6% |
| Median year homes were built | 2006 | 1991 | 1980 |
| Vacant homes | 6.0% | 12.5% | 10.1% |
| Population | 19,633 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Harrisburg
At this week's average 30-year rate of 7.11%, buying the median Harrisburg home of $478,000 with 20% down costs about $3,054 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,851, 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 $130,903 for the 20%-down payment. That payment is 25% of the median Harrisburg household income of $148,254; at that income and 20% down, the 28% guideline points to a home of about $541,000.
The median rent here is $2,640 a month, so owning the median home costs about $414 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $95,600 |
|---|---|
| Loan amount | $382,400 |
| Principal and interest | $2,572 |
| Property taxes (0.71% a year) | $283 |
| Homeowners insurance (our estimate, 0.5% a year) | $199 |
| PMI | $0 |
| Total per month | $3,054 |
Change the numbers in the calculator
| Down payment | $16,730 |
|---|---|
| Loan amount | $469,342 |
| Principal and interest | $3,157 |
| Property taxes (0.71% a year) | $283 |
| Homeowners insurance (our estimate, 0.5% a year) | $199 |
| FHA mortgage insurance | $211 |
| Total per month | $3,851 |
Change the numbers in the calculator
Questions about home buying in Harrisburg
What is the median home value in Harrisburg?
About $478,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Harrisburg?
Homeowners pay a median $3,391 a year, which is about 0.71% 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 Harrisburg?
For the median home with 20% down at 7.11%, the payment is about $3,054 a month. Keeping that under 28% of gross income takes about $130,903 a year.
More about Harrisburg
- Mortgage Refinance in Harrisburg
- Debt Relief in Harrisburg
- Home Equity Loans in Harrisburg
- 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