Market Overview
Home Prices in Garland, NC
The median home value in Garland, NC is $91,314 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.2% compared to a year ago and down 7.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Garland are priced78% below average.
Over the past five years, Garland home values have risen by approximately15.6%, reflecting steady appreciation in this market.
Price History
Garland Home Price Trend
2020
$64,833
$65K
—
2021
$79,016
$79K
+21.9%
2022
$93,601
$94K
+18.5%
2023
$89,618
$90K
-4.3%
2024
$95,248
$95K
+6.3%
2025
$88,506
$89K
-7.1%
2026
$91,314
$91K
+3.2%
City Comparison
Garland vs. National Median
🏠 Garland
$91,314
National Median
$410,000
At $91,314, homes in Garland cost 78% below the national median of $410,000. This makes Garland a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Garland?
20% Down Payment
$18,263
on $91,314
Monthly P&I
$476/mo
30-yr @ 6.8%
Total Monthly Est.
~$605/mo
incl. taxes & insurance
Income Needed
$24,200
gross annual (30% rule)
10% Down Option
$9,131
+ PMI applies
Loan Amount (20% dn)
$73,051
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 Garland, NC?
The median home value in Garland is $91,314 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.2% year-over-year.
How much have home prices changed in Garland?
Over the past year, home values in Garland have increased by 3.2%. Over five years, prices have risen approximately 15.6%.
How much do I need to earn to buy a home in Garland?
To comfortably afford the median home price of $91,314 with a 20% down payment ($18,263) at today's rates (6.8%), you'd need a gross annual income of approximately $24,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Garland compare to the national average home price?
The national median home value is approximately $410,000. At $91,314, homes in Garland are 78% below the national average.