Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$233,547+0.8% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 26% have cut their price
Income needed to buy, per year$50,628About 0.8× the local median income ($59,968): affordable for a typical household
Days on market76 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+2.3%Zillow expects prices to rise slightly
The typical home in Caldwell County, NC is worth $233,547, up 0.8% from a year ago. That is well above what local incomes have historically supported: fair value is about $204,307, so the area is 14.3% overvalued. It is a buyer's market: homes take about 76 days to sell, listings are up 12% from a year ago, 26% of listings have had a price cut. Zillow expects prices to rise about 2.3% over the next year. A household needs about $50,628 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $59,968. Typical rent is $1,340 a month, or $1,487 for a house. In the latest IRS figures, 641 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$233,547
Change in 1 year
+0.8%
Overvalued %
+14.3%
Show 7 more
Fair home value
$204,307
Change in 5 years
+25.9%
Zillow forecast, next 12 months
+2.3%
Home value to income
3.9×
Monthly mortgage payment (20% down)
$1,266
Income needed to afford it
$50,628
Property tax rate
0.60%
Rent and investing
Typical rent
$1,340
Typical rent for houses
$1,487
Price-to-rent ratio
14.5×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,147
Gross rental yield
6.89%
Cap rate (estimate)
4.48%
Market activity
Listings vs a year ago
+11.8%
Days on market
76
Listings with a price cut
26.5%
Show 3 more
Homes for sale
303
Pending sales per 100 listings
32
Asking price per sq ft
$198
People and jobs
Median household income
$59,968
Population change (1 year)
+0.3%
Unemployment rate
5.0%
Show 4 more
Population
81,105
Income adjusted for cost of living
$67,760
Net moves in (IRS)
+641
Cost of living (US = 100)
88.5
Schools, risk and environment
School rating (1 to 10)
5.2
FEMA hazard risk score (0 to 100)
67.4
Unhealthy air days a year
0
Show 4 more
Flood risk score
79.0
Wildfire risk score
52.0
Walkability (1 to 20)
5.7
Road, rail and air noise
54 dB
Questions people ask
Is Caldwell County, NC overvalued?
Home prices in Caldwell County, NC are well above what local incomes have historically supported: fair value is about $204,307, so the area is 14.3% overvalued.
Is Caldwell County, NC a buyer's or seller's market?
Caldwell County, NC is a buyer's market: homes take about 76 days to sell, listings are up 12% from a year ago, 26% of listings have had a price cut.
Are home prices going down in Caldwell County, NC?
Home values in Caldwell County, NC are up 0.8% over the last year. Zillow's forecast for the next 12 months is +2.3%.
How much do you need to earn to buy a home in Caldwell County, NC?
A household needs about $50,628 a year to afford the typical home in Caldwell County, NC at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $59,968.