Market Overview
Home Prices in Ferguson, NC
The median home value in Ferguson, NC is $243,439 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.5% compared to a year ago and up 0.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ferguson are priced41% below average. Ferguson is part of the North Wilkesboro, NC metro area.
Over the past five years, Ferguson home values have risen by approximately25.4%, reflecting strong long-term appreciation in this market.
Price History
Ferguson Home Price Trend
City Comparison
Ferguson vs. National Median
At $243,439, homes in Ferguson cost 41% below the national median of $410,000. This makes Ferguson a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ferguson?
20% Down Payment
$48,688
on $243,439
Monthly P&I
$1,270/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,613/mo
incl. taxes & insurance
Income Needed
$64,520
gross annual (30% rule)
10% Down Option
$24,344
+ PMI applies
Loan Amount (20% dn)
$194,751
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Ferguson, NC?
The median home value in Ferguson is $243,439 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.5% year-over-year.
How much have home prices changed in Ferguson?
Over the past year, home values in Ferguson have increased by 4.5%. Over five years, prices have risen approximately 25.4%.
How much do I need to earn to buy a home in Ferguson?
To comfortably afford the median home price of $243,439 with a 20% down payment ($48,688) at today's rates (6.8%), you'd need a gross annual income of approximately $64,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Ferguson compare to the national average home price?
The national median home value is approximately $410,000. At $243,439, homes in Ferguson are 41% below the national average.
What metro area is Ferguson part of?
Ferguson is part of the North Wilkesboro, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.