The typical owner-occupied home in Saint Pauls is worth about $111,000, 62% below the North Carolina median of $288,900 and 67% below the national median of $332,700. Owners pay a median $898 a year in property taxes, about 0.81% of their home's value, higher than the North Carolina rate of 0.66%. The median household earns $36,800 a year, so the median home costs 3.0 times the median income (4.0 times for North Carolina). 54% of occupied homes here are lived in by their owners, and 38% of those owners still have a mortgage.
Saint Pauls at a glance
| Saint Pauls | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $111,000 | $288,900 | $332,700 |
| Median property tax paid per year | $898 | $1,896 | $3,119 |
| Property tax as a share of value | 0.81% | 0.66% | 0.94% |
| Median household income | $36,800 | $72,388 | $80,734 |
| Homes lived in by their owners | 54% | 67% | 65% |
| Owner homes with a mortgage | 38% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,076 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 19.6% | 19.4% | 21.0% |
| Median rent | $781 | $1,228 | $1,413 |
| Rent as a share of renters' income | 35.1% | 29.5% | 30.6% |
| Median year homes were built | 1969 | 1991 | 1980 |
| Vacant homes | 9.7% | 12.5% | 10.1% |
| Population | 2,688 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Saint Pauls
At this week's average 30-year rate of 7.11%, buying the median Saint Pauls home of $111,000 with 20% down costs about $719 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $903, 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 $30,795 for the 20%-down payment. That payment is 23% of the median Saint Pauls household income of $36,800; at that income and 20% down, the 28% guideline points to a home of about $133,000.
The median rent here is $781 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $22,200 |
|---|---|
| Loan amount | $88,800 |
| Principal and interest | $597 |
| Property taxes (0.81% a year) | $75 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $719 |
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| Down payment | $3,885 |
|---|---|
| Loan amount | $108,990 |
| Principal and interest | $733 |
| Property taxes (0.81% a year) | $75 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $49 |
| Total per month | $903 |
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Questions about home buying in Saint Pauls
What is the median home value in Saint Pauls?
About $111,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Pauls?
Homeowners pay a median $898 a year, which is about 0.81% 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 Saint Pauls?
For the median home with 20% down at 7.11%, the payment is about $719 a month. Keeping that under 28% of gross income takes about $30,795 a year.
More about Saint Pauls
- Mortgage Refinance in Saint Pauls
- Debt Relief in Saint Pauls
- Home Equity Loans in Saint Pauls
- 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