Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$402,332+1.5% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 28% have cut their price
Income needed to buy, per year$87,217About 1.0× the local median income ($83,859): a stretch for a typical household
Days on market63 daysFaster than a year ago: sellers have the edge
Next 12 months−0.3%Zillow expects prices to stay about flat
The typical home in Lincoln County, NC is worth $402,332, up 1.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $360,426, so the area is 11.6% overvalued. It is a balanced market, leaning toward buyers: homes take about 63 days to sell, listings are up 9% from a year ago, 28% of listings have had a price cut. Zillow expects prices to fall about 0.3% over the next year. A household needs about $87,217 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 $83,859. Typical rent is $1,682 a month, or $2,122 for a house. In the latest IRS figures, 1,708 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
$402,332
Change in 1 year
+1.5%
Overvalued %
+11.6%
Show 7 more
Fair home value
$360,426
Change in 5 years
+27.9%
Zillow forecast, next 12 months
−0.3%
Home value to income
4.8×
Monthly mortgage payment (20% down)
$2,180
Income needed to afford it
$87,217
Property tax rate
0.58%
Rent and investing
Typical rent
$1,682
Typical rent for houses
$2,122
Price-to-rent ratio
19.9×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,138
Gross rental yield
5.02%
Cap rate (estimate)
3.26%
Market activity
Listings vs a year ago
+9.2%
Days on market
63
Listings with a price cut
27.5%
Show 3 more
Homes for sale
452
Pending sales per 100 listings
39
Asking price per sq ft
$222
People and jobs
Median household income
$83,859
Population change (1 year)
+1.2%
Unemployment rate
3.3%
Show 4 more
Population
98,654
Income adjusted for cost of living
$86,186
Net moves in (IRS)
+1,708
Cost of living (US = 100)
97.3
Schools, risk and environment
School rating (1 to 10)
8.0
FEMA hazard risk score (0 to 100)
73.8
Unhealthy air days a year
0
Show 4 more
Flood risk score
83.2
Wildfire risk score
37.8
Walkability (1 to 20)
5.5
Road, rail and air noise
56 dB
Questions people ask
Is Lincoln County, NC overvalued?
Home prices in Lincoln County, NC are well above what local incomes have historically supported: fair value is about $360,426, so the area is 11.6% overvalued.
Is Lincoln County, NC a buyer's or seller's market?
Lincoln County, NC is a balanced market, leaning toward buyers: homes take about 63 days to sell, listings are up 9% from a year ago, 28% of listings have had a price cut.
Are home prices going down in Lincoln County, NC?
Home values in Lincoln County, NC are up 1.5% over the last year. Zillow's forecast for the next 12 months is −0.3%.
How much do you need to earn to buy a home in Lincoln County, NC?
A household needs about $87,217 a year to afford the typical home in Lincoln County, NC at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $83,859.