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Mortgage Calculator &
Closing Costs: High Point, NC

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

Median Home Price
$235K
Population
113K
Avg Monthly Rent
$1,080
Property Tax Rate
0.78%
High Point vs North Carolina Median
The median home price in High Point is $235,000, which is 31% below the North Carolina state median of $340,000.

Mortgage Calculator — High Point, NC

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

$
$47,000
%
%
years
NC avg
%
$
Monthly Payment (PITI)
$1,533
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,188
per month
Taxes & Insurance
$345
per month
Total Interest Paid
$240K
over 30 years
Total Loan Cost
$428K
all payments
Payment Breakdown
Loan Amount$188,000
Principal & Interest$1,188
Property Taxes$153
Homeowners Insurance$192
Total Monthly PITI$1,533

Closing Costs — High Point, NC

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

$
%
North Carolina: Avg closing costs 1.4% of price. Transfer tax: 0.2%.
Estimated Closing Costs
$9,377
4.0% of purchase price
Lender Fees
$2,117
origination, underwriting
Third-Party
$2,625
appraisal, title, inspection
Government Fees
$470
transfer taxes, recording
Prepaids + Escrow
$4,165
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,692
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,475
Recording Fee$150
Transfer Tax$470
Prepaid Taxes (3 mo)$458
Prepaid Insurance (12 mo)$2,300
Prepaid Interest (15 days)$565
Escrow Reserves$842
Total Closing Costs$9,377

Buying a Home in High Point, North Carolina

The median home price in High Point is $235,000, 31% below the North Carolina state median of $340,000. With a population of 112,791, High Point is a mid-size city where home prices tend to be more accessible than in many parts of North Carolina.

Property taxes in North Carolina average 0.78% annually. This moderate property tax rate means a $235,000 home in High Point would carry roughly $153/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 High Point is $1,080/month. The price-to-rent ratio in High Point is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

High Point offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with North Carolina's NC Home Advantage Mortgage program.

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