Local
Learn about the people, housing, costs and businesses in Mountain Home, North Carolina
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Mountain Home.
True all-in cost — P&I, taxes, insurance & utilities for homes in Mountain Home.
Find and compare lenders active near Mountain Home.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Mountain Home.
Seismic risk and earthquake insurance estimates for Mountain Home.
Wildfire exposure and insurance estimates for Mountain Home.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Mountain Home is approximately 6.894% (6.930% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Mountain HomeThe median home value in Mountain Home is $378k. The median monthly rent is $1,234. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Mountain Home have increased 4.9% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,310/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $56k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Mountain Home is $83k/year.
Calculate your buying powerThe largest employment sectors in Mountain Home are public administration (28%) and retail (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.