The typical owner-occupied home in Coinjock is worth about $225,700, 22% below the North Carolina median of $288,900 and 32% below the national median of $332,700. Owners pay a median $2,556 a year in property taxes, about 1.13% of their home's value, higher than the North Carolina rate of 0.66%. The median household earns $68,861 a year, so the median home costs 3.3 times the median income (4.0 times for North Carolina). 63% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Coinjock at a glance
| Coinjock | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $225,700 | $288,900 | $332,700 |
| Median property tax paid per year | $2,556 | $1,896 | $3,119 |
| Property tax as a share of value | 1.13% | 0.66% | 0.94% |
| Median household income | $68,861 | $72,388 | $80,734 |
| Homes lived in by their owners | 63% | 67% | 65% |
| Owner homes with a mortgage | 71% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $998 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 9.0% | 19.4% | 21.0% |
| Median rent | $1,600 | $1,228 | $1,413 |
| Rent as a share of renters' income | 32.1% | 29.5% | 30.6% |
| Median year homes were built | 1958 | 1991 | 1980 |
| Vacant homes | 0.0% | 12.5% | 10.1% |
| Population | 543 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Coinjock
At this week's average 30-year rate of 7.11%, buying the median Coinjock home of $225,700 with 20% down costs about $1,521 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,897, 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 $65,195 for the 20%-down payment. That payment is 27% of the median Coinjock household income of $68,861; at that income and 20% down, the 28% guideline points to a home of about $238,000.
The median rent here is $1,600 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $45,140 |
|---|---|
| Loan amount | $180,560 |
| Principal and interest | $1,215 |
| Property taxes (1.13% a year) | $213 |
| Homeowners insurance (our estimate, 0.5% a year) | $94 |
| PMI | $0 |
| Total per month | $1,521 |
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| Down payment | $7,900 |
|---|---|
| Loan amount | $221,612 |
| Principal and interest | $1,491 |
| Property taxes (1.13% a year) | $213 |
| Homeowners insurance (our estimate, 0.5% a year) | $94 |
| FHA mortgage insurance | $100 |
| Total per month | $1,897 |
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Questions about home buying in Coinjock
What is the median home value in Coinjock?
About $225,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Coinjock?
Homeowners pay a median $2,556 a year, which is about 1.13% 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 Coinjock?
For the median home with 20% down at 7.11%, the payment is about $1,521 a month. Keeping that under 28% of gross income takes about $65,195 a year.
More about Coinjock
- Mortgage Refinance in Coinjock
- Debt Relief in Coinjock
- Home Equity Loans in Coinjock
- 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