The typical owner-occupied home in Seagrove is worth about $157,500, 45% below the North Carolina median of $288,900 and 53% below the national median of $332,700. Owners pay a median $1,149 a year in property taxes, about 0.73% of their home's value, higher than the North Carolina rate of 0.66%. The median household earns $64,926 a year, so the median home costs 2.4 times the median income (4.0 times for North Carolina). 86% of occupied homes here are lived in by their owners, and 73% of those owners still have a mortgage.
Seagrove at a glance
| Seagrove | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $157,500 | $288,900 | $332,700 |
| Median property tax paid per year | $1,149 | $1,896 | $3,119 |
| Property tax as a share of value | 0.73% | 0.66% | 0.94% |
| Median household income | $64,926 | $72,388 | $80,734 |
| Homes lived in by their owners | 86% | 67% | 65% |
| Owner homes with a mortgage | 73% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,123 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 18.4% | 19.4% | 21.0% |
| Median rent | $705 | $1,228 | $1,413 |
| Rent as a share of renters' income | 29.2% | 29.5% | 30.6% |
| Median year homes were built | 1995 | 1991 | 1980 |
| Vacant homes | 7.8% | 12.5% | 10.1% |
| Population | 407 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Seagrove
At this week's average 30-year rate of 7.11%, buying the median Seagrove home of $157,500 with 20% down costs about $1,009 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,271, 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 $43,245 for the 20%-down payment. That payment is 19% of the median Seagrove household income of $64,926; at that income and 20% down, the 28% guideline points to a home of about $236,000.
The median rent here is $705 a month, so owning the median home costs about $304 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $31,500 |
|---|---|
| Loan amount | $126,000 |
| Principal and interest | $848 |
| Property taxes (0.73% a year) | $96 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| PMI | $0 |
| Total per month | $1,009 |
Change the numbers in the calculator
| Down payment | $5,512 |
|---|---|
| Loan amount | $154,647 |
| Principal and interest | $1,040 |
| Property taxes (0.73% a year) | $96 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| FHA mortgage insurance | $70 |
| Total per month | $1,271 |
Change the numbers in the calculator
Questions about home buying in Seagrove
What is the median home value in Seagrove?
About $157,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Seagrove?
Homeowners pay a median $1,149 a year, which is about 0.73% 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 Seagrove?
For the median home with 20% down at 7.11%, the payment is about $1,009 a month. Keeping that under 28% of gross income takes about $43,245 a year.
More about Seagrove
- Mortgage Refinance in Seagrove
- Debt Relief in Seagrove
- Home Equity Loans in Seagrove
- 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