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Fayetteville, NC mortgage & affordability calculator

The typical home in Fayetteville, NC is worth about $225,000. With 20% down that's a loan near $180,000 — the calculator is pre-filled with that figure. Fort Liberty (formerly Fort Bragg), the largest military installation in the country by population, drives much of Fayetteville's housing demand, with prices moving alongside deployment and PCS cycles more than the broader economy. It remains one of the more affordable metros in the Carolinas.

$1,168.67 / month

Total interest
$240,725
Total paid
$420,725
Payoff
30.0 years
Balance over YearBalance ends near $0 at 30.$0$45k$90k$135k$180k0612182430Year

How much you need to earn

Fayetteville, NC's median household income is about $54,000 a year. Under standard 28/36 lending rules that supports a home price around $190,133 with 20% down — below the $225,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.

$190,088 max home price

Max loan amount
$145,088
Housing payment budget
$1,260
P&I budget
$942
Bound by
front-end ratio

Uses the 28% front-end / 36% back-end DTI guidelines. Lenders vary.

Typical asking rent in Fayetteville, NC is about $1,300 a month, so owning the median home costs roughly $186 more per month before tax effects, maintenance, and any change in home value.

Frequently asked questions

What is a typical mortgage payment in Fayetteville, NC?
On the metro's roughly $225,000 typical home with 20% down, the loan is about $180,000. Principal and interest run near $1,169 a month at today's rate, and Fayetteville, NC's property tax plus insurance add about $318, for a full payment near $1,486.
Can I afford a home in Fayetteville, NC on the median income?
The median household income is about $54,000 a year. Under standard 28/36 lending rules that supports a home price around $190,133 with 20% down — below the $225,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Fayetteville, NC?
Typical asking rent is about $1,300 a month. The full owner payment on a median home is near $1,486, so owning costs roughly $186 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Fayetteville, NC?
The effective property tax rate in the core county is about 0.85% of market value — roughly $1,913 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Fayetteville, NC rising or falling?
Home values are roughly flat over the past year. Fort Liberty (formerly Fort Bragg), the largest military installation in the country by population, drives much of Fayetteville's housing demand, with prices moving alongside deployment and PCS cycles more than the broader economy. It remains one of the more affordable metros in the Carolinas.

Nearby metros

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