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Mortgage Calculator &
Closing Costs: Hendersonville, NC

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Hendersonville, North Carolina.

Median Home Price
$345K
Population
16K
Avg Monthly Rent
$1,350
Property Tax Rate
0.78%
Hendersonville vs North Carolina Median
The median home price in Hendersonville is $345,000, which is roughly in line with the North Carolina state median of $340,000.

Mortgage Calculator — Hendersonville, NC

Pre-filled with Hendersonville median home price and North Carolina tax/insurance rates. Adjust for your property.

$
$69,000
%
%
years
NC avg
%
$
Monthly Payment (PITI)
$2,161
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,745
per month
Taxes & Insurance
$416
per month
Total Interest Paid
$352K
over 30 years
Total Loan Cost
$628K
all payments
Payment Breakdown
Loan Amount$276,000
Principal & Interest$1,745
Property Taxes$224
Homeowners Insurance$192
Total Monthly PITI$2,161

Closing Costs — Hendersonville, NC

Estimated closing costs based on North Carolina rates and fees applied to Hendersonville prices.

$
%
North Carolina: Avg closing costs 1.4% of price. Transfer tax: 0.2%.
Estimated Closing Costs
$11,632
3.4% of purchase price
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Lender Fees
$2,909
origination, underwriting
Third-Party
$3,175
appraisal, title, inspection
Government Fees
$690
transfer taxes, recording
Prepaids + Escrow
$4,858
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,484
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,025
Recording Fee$150
Transfer Tax$690
Prepaid Taxes (3 mo)$673
Prepaid Insurance (12 mo)$2,300
Prepaid Interest (15 days)$829
Escrow Reserves$1,056
Total Closing Costs$11,632

Buying a Home in Hendersonville, North Carolina

The median home price in Hendersonville is $345,000, roughly in line with the North Carolina state median of $340,000. With a population of 16,236, Hendersonville is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in North Carolina average 0.78% annually. This moderate property tax rate means a $345,000 home in Hendersonville would carry roughly $224/month in property taxes. Homeowners insurance in North Carolina runs approximately $2,300 per year. This is within the normal range nationally.

Average rent in Hendersonville is $1,350/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Hendersonville presents moderate affordability. The $345K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Hendersonville.
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