North Carolina Mortgage Calculator
Estimate your monthly mortgage payment including taxes and insurance.
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- No signup required
- Updated for 2026
Use our free North Carolina mortgage calculator to estimate your monthly payment including principal, interest, property taxes, and insurance. See a full amortization schedule and compare different loan terms. Rates vary by county; we use a statewide average for estimates.
Loan details
Rates vary by county. This is an estimated statewide average.
Monthly payment
$2,132.29
- Principal & interest$1,769.79
- Property tax$262.50
- Insurance$100.00
Loan amount: $280,000 · Total interest: $357,125
Monthly breakdown
Amortization schedule
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $1,769.79 | $253.12 | $1,516.67 | $279,746.88 |
| 2 | $1,769.79 | $254.49 | $1,515.30 | $279,492.38 |
| 3 | $1,769.79 | $255.87 | $1,513.92 | $279,236.51 |
| 4 | $1,769.79 | $257.26 | $1,512.53 | $278,979.25 |
| 5 | $1,769.79 | $258.65 | $1,511.14 | $278,720.60 |
| 6 | $1,769.79 | $260.05 | $1,509.74 | $278,460.54 |
| 7 | $1,769.79 | $261.46 | $1,508.33 | $278,199.08 |
| 8 | $1,769.79 | $262.88 | $1,506.91 | $277,936.20 |
| 9 | $1,769.79 | $264.30 | $1,505.49 | $277,671.90 |
| 10 | $1,769.79 | $265.73 | $1,504.06 | $277,406.16 |
| 11 | $1,769.79 | $267.17 | $1,502.62 | $277,138.99 |
| 12 | $1,769.79 | $268.62 | $1,501.17 | $276,870.37 |
| 13 | $1,769.79 | $270.08 | $1,499.71 | $276,600.29 |
| 14 | $1,769.79 | $271.54 | $1,498.25 | $276,328.75 |
| 15 | $1,769.79 | $273.01 | $1,496.78 | $276,055.74 |
| 16 | $1,769.79 | $274.49 | $1,495.30 | $275,781.26 |
| 17 | $1,769.79 | $275.98 | $1,493.82 | $275,505.28 |
| 18 | $1,769.79 | $277.47 | $1,492.32 | $275,227.81 |
| 19 | $1,769.79 | $278.97 | $1,490.82 | $274,948.84 |
| 20 | $1,769.79 | $280.48 | $1,489.31 | $274,668.35 |
| 21 | $1,769.79 | $282.00 | $1,487.79 | $274,386.35 |
| 22 | $1,769.79 | $283.53 | $1,486.26 | $274,102.82 |
| 23 | $1,769.79 | $285.07 | $1,484.72 | $273,817.75 |
| 24 | $1,769.79 | $286.61 | $1,483.18 | $273,531.14 |
Showing rows 1–24 of 360
Frequently asked questions
Property tax rates in North Carolina vary by county. This calculator uses a statewide average as the default; you can change the rate in the form. Check your county assessor for exact rates.
Enter your home price, down payment, interest rate, and loan term. We pre-fill North Carolina's typical property tax rate. Add your annual insurance and any HOA fees. The calculator shows your total monthly payment and a full amortization schedule.
Principal and interest are calculated with the standard amortization formula. Property tax and insurance are estimates. This tool is for planning only and does not constitute financial advice.
North Carolina Mortgage Overview
North Carolina has become a popular destination for relocations, with a mix of urban and suburban markets. Property tax rates are generally moderate, often in the 0.80%–1.00% range. Use this calculator to estimate your monthly mortgage payment in North Carolina.
Average Property Tax in North Carolina
Property taxes are set at the county and municipal level. Rates vary; we use a statewide average as the default. You can adjust the rate in the calculator to reflect your county or a more conservative estimate.
Housing and Loan Terms
Comparing different loan terms (15, 20, 30 years) in the calculator shows how your monthly payment and total interest change. The amortization schedule shows how much of each payment goes to principal vs interest over time.
Tips for North Carolina Buyers
- Homestead and other exemptions may apply; check with your county tax office.
- Homeowners insurance is typically moderate; use an annual estimate that fits your area.
- Add HOA or condo fees in the optional field if they apply to your purchase.
- Use the calculator to test different down payment percentages and see the impact on loan amount and payment.
This calculator provides estimates only. For exact figures, consult a licensed lender and your county assessor.