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Learn about the people, housing, costs and businesses in Stem, North Carolina
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Stem.
True all-in cost — P&I, taxes, insurance & utilities for homes in Stem.
Find and compare lenders active near Stem.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Stem.
Seismic risk and earthquake insurance estimates for Stem.
Wildfire exposure and insurance estimates for Stem.
As of today, the 30-year fixed mortgage rate for Stem is approximately 6.950% (6.988% 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 StemThe median home value in Stem is $195k. The median monthly rent is $1,051. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Stem have increased 6.5% 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 $971/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $42k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Stem is $54k/year.
Calculate your buying powerThe largest employment sectors in Stem are public administration (24%) and healthcare (11%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.