The typical owner-occupied home in Yadkin County is worth about $181,200, 37% below the North Carolina median of $288,900 and 46% below the national median of $332,700. Owners pay a median $1,220 a year in property taxes, about 0.67% of their home's value, close to the North Carolina rate of 0.66%. The median household earns $62,932 a year, so the median home costs 2.9 times the median income (4.0 times for North Carolina). 77% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
Yadkin County at a glance
| Yadkin County | North Carolina | U.S. | |
|---|---|---|---|
| Median home value | $181,200 | $288,900 | $332,700 |
| Median property tax paid per year | $1,220 | $1,896 | $3,119 |
| Property tax as a share of value | 0.67% | 0.66% | 0.94% |
| Median household income | $62,932 | $72,388 | $80,734 |
| Homes lived in by their owners | 77% | 67% | 65% |
| Owner homes with a mortgage | 48% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,177 | $1,631 | $1,963 |
| Those costs as a share of the owners' income | 18.7% | 19.4% | 21.0% |
| Median rent | $766 | $1,228 | $1,413 |
| Rent as a share of renters' income | 30.1% | 29.5% | 30.6% |
| Median year homes were built | 1983 | 1991 | 1980 |
| Vacant homes | 13.0% | 12.5% | 10.1% |
| Population | 37,574 | 10,730,404 | 334,922,499 |
What a typical home costs per month in Yadkin County
At this week's average 30-year rate of 7.11%, buying the median Yadkin County home of $181,200 with 20% down costs about $1,152 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,454, 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 $49,364 for the 20%-down payment. That payment is 22% of the median Yadkin County household income of $62,932; at that income and 20% down, the 28% guideline points to a home of about $231,000.
The median rent here is $766 a month, so owning the median home costs about $386 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $36,240 |
|---|---|
| Loan amount | $144,960 |
| Principal and interest | $975 |
| Property taxes (0.67% a year) | $101 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| PMI | $0 |
| Total per month | $1,152 |
Change the numbers in the calculator
| Down payment | $6,342 |
|---|---|
| Loan amount | $177,918 |
| Principal and interest | $1,197 |
| Property taxes (0.67% a year) | $101 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| FHA mortgage insurance | $80 |
| Total per month | $1,454 |
Change the numbers in the calculator
Questions about home buying in Yadkin County
What is the median home value in Yadkin County?
About $181,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Yadkin County?
Homeowners pay a median $1,220 a year, which is about 0.67% 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 Yadkin County?
For the median home with 20% down at 7.11%, the payment is about $1,152 a month. Keeping that under 28% of gross income takes about $49,364 a year.
More about Yadkin County
- Mortgage Refinance in Yadkin County
- Debt Relief in Yadkin County
- Home Equity Loans in Yadkin 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