Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$321,857+0.5% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$69,772About 1.3× the local median income ($53,257): a stretch for a typical household
Days on market107 daysAbout the same pace as a year ago
The typical home in Swain County, NC is worth $321,857, up 0.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $261,729, so the area is 23.0% overvalued. It is a buyer's market: homes take about 107 days to sell, listings are up 14% from a year ago, 16% of listings have had a price cut. A household needs about $69,772 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 $53,257. In the latest IRS figures, 122 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
$321,857
Change in 1 year
+0.5%
Overvalued %
+23.0%
Show 6 more
Fair home value
$261,729
Change in 5 years
+27.0%
Home value to income
6.0×
Monthly mortgage payment (20% down)
$1,744
Income needed to afford it
$69,772
Property tax rate
0.41%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,012
Market activity
Listings vs a year ago
+14.5%
Days on market
107
Listings with a price cut
15.9%
Show 3 more
Homes for sale
142
Pending sales per 100 listings
22
Asking price per sq ft
$308
People and jobs
Median household income
$53,257
Population change (1 year)
−0.2%
Unemployment rate
7.6%
Show 4 more
Population
14,024
Income adjusted for cost of living
$60,245
Net moves in (IRS)
+122
Cost of living (US = 100)
88.4
Schools, risk and environment
School rating (1 to 10)
6.0
FEMA hazard risk score (0 to 100)
49.1
Unhealthy air days a year
0
Show 4 more
Flood risk score
62.5
Wildfire risk score
60.3
Walkability (1 to 20)
5.7
Road, rail and air noise
54 dB
Questions people ask
Is Swain County, NC overvalued?
Home prices in Swain County, NC are well above what local incomes have historically supported: fair value is about $261,729, so the area is 23.0% overvalued.
Is Swain County, NC a buyer's or seller's market?
Swain County, NC is a buyer's market: homes take about 107 days to sell, listings are up 14% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Swain County, NC?
Home values in Swain County, NC are up 0.5% over the last year.
How much do you need to earn to buy a home in Swain County, NC?
A household needs about $69,772 a year to afford the typical home in Swain County, NC at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $53,257.