The typical owner-occupied home in Swansboro is worth about $378,700, 31% above the North Carolina median of $288,900 and 14% above the national median of $332,700. Owners pay a median $2,806 a year in property taxes, about 0.74% of their home's value, higher than the North Carolina rate of 0.66%. The median household earns $114,425 a year, so the median home costs 3.3 times the median income (4.0 times for North Carolina). 72% of occupied homes here are lived in by their owners, and 84% of those owners still have a mortgage.
Swansboro at a glance
| Swansboro | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $378,700 | $288,900 | $332,700 |
| Median property tax paid per year | $2,806 | $1,896 | $3,119 |
| Property tax as a share of value | 0.74% | 0.66% | 0.94% |
| Median household income | $114,425 | $72,388 | $80,734 |
| Homes lived in by their owners | 72% | 67% | 65% |
| Owner homes with a mortgage | 84% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $2,273 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 21.3% | 19.4% | 21.0% |
| Median rent | $1,106 | $1,228 | $1,413 |
| Rent as a share of renters' income | 22.1% | 29.5% | 30.6% |
| Median year homes were built | 2002 | 1991 | 1980 |
| Vacant homes | 9.9% | 12.5% | 10.1% |
| Population | 3,997 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Swansboro
At this week's average 30-year rate of 7.11%, buying the median Swansboro home of $378,700 with 20% down costs about $2,429 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,060, 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 $104,115 for the 20%-down payment. That payment is 25% of the median Swansboro household income of $114,425; at that income and 20% down, the 28% guideline points to a home of about $416,000.
The median rent here is $1,106 a month, so owning the median home costs about $1,323 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $75,740 |
|---|---|
| Loan amount | $302,960 |
| Principal and interest | $2,038 |
| Property taxes (0.74% a year) | $234 |
| Homeowners insurance (our estimate, 0.5% a year) | $158 |
| PMI | $0 |
| Total per month | $2,429 |
Change the numbers in the calculator
| Down payment | $13,254 |
|---|---|
| Loan amount | $371,841 |
| Principal and interest | $2,501 |
| Property taxes (0.74% a year) | $234 |
| Homeowners insurance (our estimate, 0.5% a year) | $158 |
| FHA mortgage insurance | $168 |
| Total per month | $3,060 |
Change the numbers in the calculator
Questions about home buying in Swansboro
What is the median home value in Swansboro?
About $378,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Swansboro?
Homeowners pay a median $2,806 a year, which is about 0.74% 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 Swansboro?
For the median home with 20% down at 7.11%, the payment is about $2,429 a month. Keeping that under 28% of gross income takes about $104,115 a year.
More about Swansboro
- Mortgage Refinance in Swansboro
- Debt Relief in Swansboro
- Home Equity Loans in Swansboro
- 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