Market Overview
Home Prices in Hamilton, NC
The median home value in Hamilton, NC is $103,178 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 15.8% compared to a year ago and down 8.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hamilton are priced75% below average.
Price History
Hamilton Home Price Trend
2022
$89,176
$89K
—
2023
$99,613
$100K
+11.7%
2024
$97,464
$97K
-2.2%
2025
$89,129
$89K
-8.6%
2026
$103,178
$103K
+15.8%
City Comparison
Hamilton vs. National Median
🏠 Hamilton
$103,178
National Median
$410,000
At $103,178, homes in Hamilton cost 75% below the national median of $410,000. This makes Hamilton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hamilton?
20% Down Payment
$20,636
on $103,178
Monthly P&I
$538/mo
30-yr @ 6.8%
Total Monthly Est.
~$683/mo
incl. taxes & insurance
Income Needed
$27,320
gross annual (30% rule)
10% Down Option
$10,318
+ PMI applies
Loan Amount (20% dn)
$82,542
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 Hamilton, NC?
The median home value in Hamilton is $103,178 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 15.8% year-over-year.
How much have home prices changed in Hamilton?
Over the past year, home values in Hamilton have increased by 15.8%.
How much do I need to earn to buy a home in Hamilton?
To comfortably afford the median home price of $103,178 with a 20% down payment ($20,636) at today's rates (6.8%), you'd need a gross annual income of approximately $27,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Hamilton compare to the national average home price?
The national median home value is approximately $410,000. At $103,178, homes in Hamilton are 75% below the national average.