Durham County, North Carolina Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Durham County overrides North Carolina's state estimate with the NCDOR FY 2025-2026 county rate of 0.5542% before municipal taxes. Durham County uses a local property-tax planning benchmark of about 0.55% on this page. On a $400,000 Durham County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $185/mo, for estimated PITI near $2,308 before PMI. Confirm overlapping city, school, and special-district layers on the parcel before treating escrow as final.
Loan Details
$70,000 · LTV 80%
Buyer Profile
Extra Payment
Optional principal-only payment used to estimate payoff speed and interest savings.
Monthly Payment
$1,770 Principal & Interest · $162 Property Taxes · $125 Other
Methodology and limitations
Last reviewed:
Methodology
Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available. National pages include worked PITI, term, and PMI comparison examples for planning.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Official sources
- Consumer Financial Protection Bureau mortgage cost guidance
- North Carolina Department of Revenue 2025-2026 county property tax rates
- North Carolina Department of Revenue real estate excise tax
- North Carolina Housing Finance Agency NC Home Advantage Mortgage
- North Carolina Housing Finance Agency NC 1st Home Advantage Down Payment
- North Carolina disabled veteran property tax relief
Durham County, North Carolina Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
North Carolina
Durham County overrides North Carolina's state estimate with the NCDOR FY 2025-2026 county rate of 0.5542% before municipal taxes. Durham County uses a local property-tax planning benchmark of about 0.55% on this page. On a $400,000 Durham County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $185/mo, for estimated PITI near $2,308 before PMI. Confirm overlapping city, school, and special-district layers on the parcel before treating escrow as final.
Use this mortgage calculator for Durham County, North Carolina to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.
What This Estimate Uses
- Geographic level: county
- Configured property tax rate: 0.55%
- Configured benefits or exemptions: 5
- Reviewed sources: 6
What Changes in Durham County, North Carolina
- Data level used: county. This page uses the most specific available data layer for Durham County, North Carolina.
- Configured combined annual property tax rate: 0.55% before exemptions and buyer-specific conditions are applied.
- Configured down payment assistance programs: NC Home Advantage Down Payment Assistance, NC 1st Home Advantage Down Payment.
Local Tax Assumptions
These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.
- North Carolina County Property Tax - 0.554%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- North Carolina Elderly or Disabled Homestead - 50% (requires: primary residence, buyer is age 65 or older)
- North Carolina Disabled Veteran Exclusion - $45,000 (requires: primary residence, buyer is a disabled veteran)
- NC Home Advantage Down Payment Assistance - 3% of loan (requires: primary residence, income is below the program cap)
- NC 1st Home Advantage Down Payment - $15,000 (requires: first-time buyer, primary residence, income is below the program cap)
- Mortgage Credit Certificate (MCC) - 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
When This Estimate Can Change
- The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
- Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
- Configured closing costs include North Carolina Real Estate Excise Tax, but other settlement charges may appear on a real loan estimate.
2025 Local Home-Purchase Mortgage Market in Durham County, North Carolina
Local home-purchase mortgage market context for Durham County, North Carolina: in 2025 Home Mortgage Disclosure Act (HMDA) data, Durham County logged 6,009 final-action applications. The mortgage denial rate was 6.59% and the originated share was 73.37%.
| Metric | Durham County | State |
|---|---|---|
| Final-action applications | 6,009 | 222,959 |
| Mortgage denial rate | 6.59% | 10.80% |
| Originated share | 73.37% | 67.21% |
Source: FFIEC HMDA 2025 (LAR modificado, compra de vivienda) · Texas vs California mortgage denial rates (methodology)
Nearby location comparison
Planning comparison on a $400,000 home with 20% down, 6.5% fixed for 30 years, and $100/mo insurance. Monthly tax uses each page's configured property tax rate.
| Location | Est. property tax rate | Est. monthly tax | Est. monthly PITI |
|---|---|---|---|
| Durham County (this page) | 0.55% | $185 | $2,307 |
| Buncombe County | 0.55% | $182 | $2,305 |
| Forsyth County | 0.54% | $178 | $2,301 |
| Guilford County | 0.73% | $244 | $2,366 |
| Mecklenburg County | 0.49% | $164 | $2,287 |
| New Hanover County | 0.31% | $102 | $2,225 |
Local Data and Sources
Last editorial verification: May 15, 2026. This page combines the official data layers configured for Durham County, North Carolina.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, North Carolina Department of Revenue 2025-2026 county property tax rates, North Carolina Department of Revenue real estate excise tax, North Carolina Housing Finance Agency NC Home Advantage Mortgage, North Carolina Housing Finance Agency NC 1st Home Advantage Down Payment, North Carolina disabled veteran property tax relief. Each source lists which rate, exemption, or program it validates and when it was last reviewed.
- Consumer Financial Protection Bureau mortgage cost guidance - verified May 3, 2026 - General U.S. mortgage closing-cost and mortgage-cost guidance.
- North Carolina Department of Revenue 2025-2026 county property tax rates - verified May 15, 2026 - Official source for FY 2025-2026 county property-tax rates and reappraisal schedules. County pages override the statewide planning estimate with NCDOR county rates.
- North Carolina Department of Revenue real estate excise tax - verified May 15, 2026 - Official source for North Carolina's real estate conveyance excise tax rate of $1 per $500 of conveyed value.
- North Carolina Housing Finance Agency NC Home Advantage Mortgage - verified May 15, 2026 - Official source for statewide NC Home Advantage Mortgage down payment assistance up to 3% of the loan amount.
- North Carolina Housing Finance Agency NC 1st Home Advantage Down Payment - verified May 15, 2026 - Official source for the $15,000 first-time buyer and military veteran down payment assistance option.
- North Carolina disabled veteran property tax relief - verified May 15, 2026 - Official state source for North Carolina's disabled veteran homestead property-tax exclusion.
Frequently Asked Questions
What North Carolina property tax rate is used here?
The state page uses a broad county property-tax planning estimate. County pages for Charlotte, Raleigh, Durham, Greensboro, Winston-Salem, Wilmington, and Asheville-area markets override that estimate with NCDOR FY 2025-2026 county rates. Use county calculators for Charlotte, Raleigh, and other metros when you need a tighter local tax assumption.
Does North Carolina have a real estate transfer tax?
Yes. North Carolina charges a real estate excise tax of $1 per $500 of conveyed value, equal to 0.2% of the sale price. Use county calculators for Charlotte, Raleigh, and other metros when you need a tighter local tax assumption.
What North Carolina buyer assistance is modeled?
The calculator models NC Home Advantage Mortgage down payment assistance up to 3% of the loan amount and the NC 1st Home Advantage $15,000 option for first-time buyers, subject to buyer-profile and income inputs. Use county calculators for Charlotte, Raleigh, and other metros when you need a tighter local tax assumption.
How should North Carolina buyers use county and city pages?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.55% statewide property-tax planning rate, monthly escrow is about $183; with $100 insurance, estimated PITI is about $2,306 without PMI. Drill into county or city calculators for address-level millage.
What Durham County tax rate is used?
This page uses the FY 2025-2026 Durham County property-tax rate of $0.5542 per $100 of assessed value, before any city or special-district tax. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.
What property tax rate does the Durham County mortgage calculator use?
Durham County uses a local planning benchmark of about 0.55% on this page. On a $400,000 home that is roughly $2,217 per year or $185 per month in escrow before exemptions or special districts. Parcel bills can still differ—verify the levy code on the address you are buying.
What is a sample Durham County PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.55% property tax, monthly escrow is about $185; with $100 insurance, estimated PITI is about $2,308 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.
Does Durham County include only county tax or also city layers?
This county page models Durham County's ~0.55% planning layer. In-city purchases may add municipal levies on city pages. Compare both if your address is inside Charlotte, Raleigh, Durham, or another municipality. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.