Market Overview
Home Prices in Hays, NC
The median home value in Hays, NC is $206,320 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.5% compared to a year ago and up 0% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hays are priced50% below average. Hays is part of the North Wilkesboro, NC metro area.
Over the past five years, Hays home values have risen by approximately33.3%, reflecting strong long-term appreciation in this market.
Price History
Hays Home Price Trend
2020
$130,034
$130K
—
2021
$154,725
$155K
+19.0%
2022
$176,357
$176K
+14.0%
2023
$186,909
$187K
+6.0%
2024
$193,735
$194K
+3.7%
2025
$193,789
$194K
+0.0%
2026
$206,320
$206K
+6.5%
City Comparison
Hays vs. National Median
🏠 Hays
$206,320
National Median
$410,000
At $206,320, homes in Hays cost 50% below the national median of $410,000. This makes Hays a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hays?
20% Down Payment
$41,264
on $206,320
Monthly P&I
$1,076/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,367/mo
incl. taxes & insurance
Income Needed
$54,680
gross annual (30% rule)
10% Down Option
$20,632
+ PMI applies
Loan Amount (20% dn)
$165,056
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 Hays, NC?
The median home value in Hays is $206,320 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.5% year-over-year.
How much have home prices changed in Hays?
Over the past year, home values in Hays have increased by 6.5%. Over five years, prices have risen approximately 33.3%.
How much do I need to earn to buy a home in Hays?
To comfortably afford the median home price of $206,320 with a 20% down payment ($41,264) at today's rates (6.8%), you'd need a gross annual income of approximately $54,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Hays compare to the national average home price?
The national median home value is approximately $410,000. At $206,320, homes in Hays are 50% below the national average.
What metro area is Hays part of?
Hays is part of the North Wilkesboro, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.