Average mortgage payment in Durham County, NC (2026)
The average mortgage payment in Durham County on a median-priced home (~$375,000) is roughly $2,919/month — assuming 10% down at a 6.85% 30-year fixed rate and North Carolina's 0.84% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $125,100. County population is roughly 324,833.
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How Durham County compares to North Carolina
The typical home in Durham County is 14% above the statewide median of $330,000 in North Carolina. Property tax is set at the state's effective rate of 0.84% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Durham County?+
On a median Durham County home (~$375,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $2,919/month, including ~$263 in property tax.
What income do I need to buy a home in Durham County?+
Using the 28% front-end DTI rule, you'd need roughly $125,100 in annual gross household income to comfortably carry the median Durham County home.
How does Durham County compare to the rest of North Carolina?+
Durham County's median home ($375,000) is 14% above the North Carolina median of $330,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.