The typical owner-occupied home in Haywood County is worth about $279,200, 3% below the North Carolina median of $288,900 and 16% below the national median of $332,700. Owners pay a median $1,583 a year in property taxes, about 0.57% of their home's value, lower than the North Carolina rate of 0.66%. The median household earns $61,912 a year, so the median home costs 4.5 times the median income (4.0 times for North Carolina). 75% of occupied homes here are lived in by their owners, and 50% of those owners still have a mortgage.
Haywood County at a glance
| Haywood County | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $279,200 | $288,900 | $332,700 |
| Median property tax paid per year | $1,583 | $1,896 | $3,119 |
| Property tax as a share of value | 0.57% | 0.66% | 0.94% |
| Median household income | $61,912 | $72,388 | $80,734 |
| Homes lived in by their owners | 75% | 67% | 65% |
| Owner homes with a mortgage | 50% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,447 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 19.7% | 19.4% | 21.0% |
| Median rent | $1,067 | $1,228 | $1,413 |
| Rent as a share of renters' income | 30.9% | 29.5% | 30.6% |
| Median year homes were built | 1983 | 1991 | 1980 |
| Vacant homes | 23.7% | 12.5% | 10.1% |
| Population | 62,662 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Haywood County
At this week's average 30-year rate of 7.11%, buying the median Haywood County home of $279,200 with 20% down costs about $1,752 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,217, 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 $75,065 for the 20%-down payment. That payment is 34% of the median Haywood County household income of $61,912; at that income and 20% down, the 28% guideline points to a home of about $230,000.
The median rent here is $1,067 a month, so owning the median home costs about $685 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $55,840 |
|---|---|
| Loan amount | $223,360 |
| Principal and interest | $1,503 |
| Property taxes (0.57% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| PMI | $0 |
| Total per month | $1,752 |
Change the numbers in the calculator
| Down payment | $9,772 |
|---|---|
| Loan amount | $274,143 |
| Principal and interest | $1,844 |
| Property taxes (0.57% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| FHA mortgage insurance | $123 |
| Total per month | $2,217 |
Change the numbers in the calculator
Questions about home buying in Haywood County
What is the median home value in Haywood County?
About $279,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Haywood County?
Homeowners pay a median $1,583 a year, which is about 0.57% 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 Haywood County?
For the median home with 20% down at 7.11%, the payment is about $1,752 a month. Keeping that under 28% of gross income takes about $75,065 a year.
More about Haywood County
- Mortgage Refinance in Haywood County
- Debt Relief in Haywood County
- Home Equity Loans in Haywood 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