What income do you need to buy a house in Duck, NC?

It takes about $276,000/yr to afford the typical Duck, NC home ($1.01M, +3.0% past year) at today's rates. Starter homes run around $682K. See if you can afford a house in Duck (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $276,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, NC property tax and insurance)
• Typical home value: $1.01M (Zillow ZHVI, 2026-07)
• 1-year change: +3.0%
• Bottom 35% of homes: $682K
• Top 35% of homes start around: $1.62M
• Median household income: $136K
• Price-to-income ratio: 7.4
• Estimated payment on the typical home: $5,244/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Kill Devil Hills, NC — typical home $526K
• Elizabeth City, NC — typical home $270K
• Moyock, NC — typical home $504K
• Virginia Beach, VA — typical home $430K
• Chesapeake, VA — typical home $429K
• Portsmouth, VA — typical home $270K

The most affordable cities to buy a house in North Carolina

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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