Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$226,187+1.8% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 10% have cut their price
Income needed to buy, per year$49,033About 0.9× the local median income ($55,006): affordable for a typical household
Days on market80 daysFaster than a year ago: sellers have the edge
The typical home in Graham County, NC is worth $226,187, up 1.8% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $210,408, so the area is 7.5% overvalued. It is a buyer's market: homes take about 80 days to sell, listings are up 12% from a year ago, 10% of listings have had a price cut. A household needs about $49,033 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 $55,006. In the latest IRS figures, 7 more people moved out than in.
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
$226,187
Change in 1 year
+1.8%
Overvalued %
+7.5%
Show 6 more
Fair home value
$210,408
Change in 5 years
+30.2%
Home value to income
4.1×
Monthly mortgage payment (20% down)
$1,226
Income needed to afford it
$49,033
Property tax rate
0.57%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,012
Market activity
Listings vs a year ago
+11.7%
Days on market
80
Listings with a price cut
10.4%
Show 3 more
Homes for sale
67
Pending sales per 100 listings
24
Asking price per sq ft
$260
People and jobs
Median household income
$55,006
Population change (1 year)
+0.7%
Unemployment rate
7.0%
Show 4 more
Population
8,190
Income adjusted for cost of living
$62,224
Net moves in (IRS)
−7
Cost of living (US = 100)
88.4
Schools, risk and environment
School rating (1 to 10)
2.0
FEMA hazard risk score (0 to 100)
20.1
Unhealthy air days a year
0
Show 4 more
Flood risk score
38.0
Wildfire risk score
49.6
Walkability (1 to 20)
4.4
Road, rail and air noise
54 dB
Questions people ask
Is Graham County, NC overvalued?
Home prices in Graham County, NC are slightly above what local incomes have historically supported: fair value is about $210,408, so the area is 7.5% overvalued.
Is Graham County, NC a buyer's or seller's market?
Graham County, NC is a buyer's market: homes take about 80 days to sell, listings are up 12% from a year ago, 10% of listings have had a price cut.
Are home prices going down in Graham County, NC?
Home values in Graham County, NC are up 1.8% over the last year.
How much do you need to earn to buy a home in Graham County, NC?
A household needs about $49,033 a year to afford the typical home in Graham County, NC at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $55,006.