The typical owner-occupied home in Currituck County is worth about $378,800, 31% above the North Carolina median of $288,900 and 14% above the national median of $332,700. Owners pay a median $1,760 a year in property taxes, about 0.46% of their home's value, lower than the North Carolina rate of 0.66%. The median household earns $93,511 a year, so the median home costs 4.1 times the median income (4.0 times for North Carolina). 87% of occupied homes here are lived in by their owners, and 73% of those owners still have a mortgage.
Currituck County at a glance
| Currituck County | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $378,800 | $288,900 | $332,700 |
| Median property tax paid per year | $1,760 | $1,896 | $3,119 |
| Property tax as a share of value | 0.46% | 0.66% | 0.94% |
| Median household income | $93,511 | $72,388 | $80,734 |
| Homes lived in by their owners | 87% | 67% | 65% |
| Owner homes with a mortgage | 73% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,944 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 21.1% | 19.4% | 21.0% |
| Median rent | $1,162 | $1,228 | $1,413 |
| Rent as a share of renters' income | 26.0% | 29.5% | 30.6% |
| Median year homes were built | 1998 | 1991 | 1980 |
| Vacant homes | 30.6% | 12.5% | 10.1% |
| Population | 30,601 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Currituck County
At this week's average 30-year rate of 7.11%, buying the median Currituck County home of $378,800 with 20% down costs about $2,342 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,973, 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 $100,355 for the 20%-down payment. That payment is 30% of the median Currituck County household income of $93,511; at that income and 20% down, the 28% guideline points to a home of about $353,000.
The median rent here is $1,162 a month, so owning the median home costs about $1,180 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $75,760 |
|---|---|
| Loan amount | $303,040 |
| Principal and interest | $2,039 |
| Property taxes (0.46% a year) | $145 |
| Homeowners insurance (our estimate, 0.5% a year) | $158 |
| PMI | $0 |
| Total per month | $2,342 |
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| Down payment | $13,258 |
|---|---|
| Loan amount | $371,939 |
| Principal and interest | $2,502 |
| Property taxes (0.46% a year) | $145 |
| Homeowners insurance (our estimate, 0.5% a year) | $158 |
| FHA mortgage insurance | $168 |
| Total per month | $2,973 |
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Questions about home buying in Currituck County
What is the median home value in Currituck County?
About $378,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Currituck County?
Homeowners pay a median $1,760 a year, which is about 0.46% 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 Currituck County?
For the median home with 20% down at 7.11%, the payment is about $2,342 a month. Keeping that under 28% of gross income takes about $100,355 a year.
More about Currituck County
- Mortgage Refinance in Currituck County
- Debt Relief in Currituck County
- Home Equity Loans in Currituck County
- 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