The typical owner-occupied home in Atlantic is worth about $154,300, 47% below the North Carolina median of $288,900 and 54% below the national median of $332,700. Owners pay a median $776 a year in property taxes, about 0.50% of their home's value, lower than the North Carolina rate of 0.66%. The median household earns $51,071 a year, so the median home costs 3.0 times the median income (4.0 times for North Carolina). 91% of occupied homes here are lived in by their owners, and 25% of those owners still have a mortgage.
Atlantic at a glance
| Atlantic | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $154,300 | $288,900 | $332,700 |
| Median property tax paid per year | $776 | $1,896 | $3,119 |
| Property tax as a share of value | 0.50% | 0.66% | 0.94% |
| Median household income | $51,071 | $72,388 | $80,734 |
| Homes lived in by their owners | 91% | 67% | 65% |
| Owner homes with a mortgage | 25% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,289 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 30.0% | 19.4% | 21.0% |
| Median rent | – | $1,228 | $1,413 |
| Median year homes were built | 1954 | 1991 | 1980 |
| Vacant homes | 46.3% | 12.5% | 10.1% |
| Population | 522 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Atlantic
At this week's average 30-year rate of 7.11%, buying the median Atlantic home of $154,300 with 20% down costs about $959 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,216, 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 $41,099 for the 20%-down payment. That payment is 23% of the median Atlantic household income of $51,071; at that income and 20% down, the 28% guideline points to a home of about $192,000.
| Down payment | $30,860 |
|---|---|
| Loan amount | $123,440 |
| Principal and interest | $830 |
| Property taxes (0.50% a year) | $64 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| PMI | $0 |
| Total per month | $959 |
Change the numbers in the calculator
| Down payment | $5,400 |
|---|---|
| Loan amount | $151,505 |
| Principal and interest | $1,019 |
| Property taxes (0.50% a year) | $64 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| FHA mortgage insurance | $68 |
| Total per month | $1,216 |
Change the numbers in the calculator
Questions about home buying in Atlantic
What is the median home value in Atlantic?
About $154,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Atlantic?
Homeowners pay a median $776 a year, which is about 0.50% 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 Atlantic?
For the median home with 20% down at 7.11%, the payment is about $959 a month. Keeping that under 28% of gross income takes about $41,099 a year.
More about Atlantic
- Mortgage Refinance in Atlantic
- Debt Relief in Atlantic
- Home Equity Loans in Atlantic
- 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