The typical owner-occupied home in Atkinson is worth about $155,100, 46% below the North Carolina median of $288,900 and 53% below the national median of $332,700. Owners pay a median $1,199 a year in property taxes, about 0.77% of their home's value, higher than the North Carolina rate of 0.66%. The median household earns $59,886 a year, so the median home costs 2.6 times the median income (4.0 times for North Carolina). 89% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Atkinson at a glance
| Atkinson | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $155,100 | $288,900 | $332,700 |
| Median property tax paid per year | $1,199 | $1,896 | $3,119 |
| Property tax as a share of value | 0.77% | 0.66% | 0.94% |
| Median household income | $59,886 | $72,388 | $80,734 |
| Homes lived in by their owners | 89% | 67% | 65% |
| Owner homes with a mortgage | 56% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,394 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 30.3% | 19.4% | 21.0% |
| Median rent | $1,500 | $1,228 | $1,413 |
| Rent as a share of renters' income | 45.0% | 29.5% | 30.6% |
| Median year homes were built | 1959 | 1991 | 1980 |
| Vacant homes | 12.1% | 12.5% | 10.1% |
| Population | 485 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Atkinson
At this week's average 30-year rate of 7.11%, buying the median Atkinson home of $155,100 with 20% down costs about $999 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,257, 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 $42,807 for the 20%-down payment. That payment is 20% of the median Atkinson household income of $59,886; at that income and 20% down, the 28% guideline points to a home of about $217,000.
The median rent here is $1,500 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $31,020 |
|---|---|
| Loan amount | $124,080 |
| Principal and interest | $835 |
| Property taxes (0.77% a year) | $100 |
| Homeowners insurance (our estimate, 0.5% a year) | $65 |
| PMI | $0 |
| Total per month | $999 |
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| Down payment | $5,428 |
|---|---|
| Loan amount | $152,291 |
| Principal and interest | $1,024 |
| Property taxes (0.77% a year) | $100 |
| Homeowners insurance (our estimate, 0.5% a year) | $65 |
| FHA mortgage insurance | $69 |
| Total per month | $1,257 |
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Questions about home buying in Atkinson
What is the median home value in Atkinson?
About $155,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Atkinson?
Homeowners pay a median $1,199 a year, which is about 0.77% 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 Atkinson?
For the median home with 20% down at 7.11%, the payment is about $999 a month. Keeping that under 28% of gross income takes about $42,807 a year.
More about Atkinson
- Mortgage Refinance in Atkinson
- Debt Relief in Atkinson
- Home Equity Loans in Atkinson
- 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