A mortgage calculator that knows what state the house is in: principal and interest, plus North Carolina property tax at the state's effective rate (0.64% of value, ACS 2025 medians) and a closing-cost estimate in the CFPB's typical 2–5% range.
Loan: $274,240. Insurance estimated at 0.2% of value per year inside the monthly total.
P&I $1,733 · tax $183 · insurance $57
| Principal & interest / month | $1,733 |
| Property tax / year (0.64% effective) | $2,194 |
| Closing costs (one-time, estimate) | $8,227 |
| Total interest over the term | $349,778 |
The Census Bureau's ACS 2025 medians put North Carolina's typical bill at $2,177 on a $342,800 home — an effective 0.64%. Effective rates blend every local levy into one comparable number; your parcel's assessed value and local rates set the real bill.
Source: U.S. Census Bureau, ACS 2025 1-year estimates (tables B25077/B25103).
The CFPB puts typical buyer closing costs at 2–5% of the loan (origination, appraisal, title, prepaid escrows). The default here is 3% and the field is yours to change — no official schedule exists, and this page will not pretend one does. North Carolina transfer/recording charges sit inside that range for most purchases.
Source: Consumer Financial Protection Bureau, closing-cost guidance.
Property tax. At 0.64%, North Carolina adds $183 a month on the median home — in the highest-tax states that rivals a full percentage point of interest rate.
No — it is the state's median effective rate applied to your price. Assessments, exemptions (homestead and others) and local rates move real bills both ways; the county assessor's figure governs.
Below 20% down, lenders usually add private mortgage insurance (roughly 0.3–1.5% of the loan per year) until you reach ~20% equity. It is not in the default total — add it to the insurance line mentally if it applies.
North Carolina Mortgage Calculator with the costs other calculators skip: on the North Carolina median home ($342,800, ACS 2025), $1,973 a month — $1,733 principal & interest, $183 property tax at the state's 0.64% effective rate, plus closing costs of about $8,227.
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A mortgage calculator for North Carolina that includes North Carolina property tax and a closing-cost estimate alongside principal and interest.
On the median North Carolina home ($342,800): $1,973 a month, of which $183 is property tax.
The state's median tax bill is $2,177 a year (ACS 2025).
An effective 0.64% of value at the ACS medians — $2,177 a year on the median home.
No — they are one-time costs at closing, shown separately.
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