Market Overview
Home Prices in Hertford, NC
The median home value in Hertford, NC is $292,826 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.4% compared to a year ago and up 4.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hertford are priced29% below average. Hertford is part of the Elizabeth City, NC metro area.
Over the past five years, Hertford home values have risen by approximately34.5%, reflecting strong long-term appreciation in this market.
Price History
Hertford Home Price Trend
City Comparison
Hertford vs. National Median
At $292,826, homes in Hertford cost 29% below the national median of $410,000. This makes Hertford a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hertford?
20% Down Payment
$58,565
on $292,826
Monthly P&I
$1,527/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,939/mo
incl. taxes & insurance
Income Needed
$77,560
gross annual (30% rule)
10% Down Option
$29,283
+ PMI applies
Loan Amount (20% dn)
$234,261
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 Hertford, NC?
The median home value in Hertford is $292,826 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.4% year-over-year.
How much have home prices changed in Hertford?
Over the past year, home values in Hertford have increased by 7.4%. Over five years, prices have risen approximately 34.5%.
How much do I need to earn to buy a home in Hertford?
To comfortably afford the median home price of $292,826 with a 20% down payment ($58,565) at today's rates (6.8%), you'd need a gross annual income of approximately $77,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Hertford compare to the national average home price?
The national median home value is approximately $410,000. At $292,826, homes in Hertford are 29% below the national average.
What metro area is Hertford part of?
Hertford is part of the Elizabeth City, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.