Market Overview
Home Prices in Kelford, NC
The median home value in Kelford, NC is $57,463 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.2% compared to a year ago and down 16% from two years prior.
Compared to the U.S. national median of $410,000, homes in Kelford are priced86% below average.
Price History
Kelford Home Price Trend
2022
$66,294
$66K
—
2023
$62,928
$63K
-5.1%
2024
$66,355
$66K
+5.4%
2025
$55,708
$56K
-16.0%
2026
$57,463
$57K
+3.2%
City Comparison
Kelford vs. National Median
🏠 Kelford
$57,463
National Median
$410,000
At $57,463, homes in Kelford cost 86% below the national median of $410,000. This makes Kelford a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Kelford?
20% Down Payment
$11,493
on $57,463
Monthly P&I
$300/mo
30-yr @ 6.8%
Total Monthly Est.
~$381/mo
incl. taxes & insurance
Income Needed
$15,240
gross annual (30% rule)
10% Down Option
$5,746
+ PMI applies
Loan Amount (20% dn)
$45,970
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 Kelford, NC?
The median home value in Kelford is $57,463 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 Kelford?
Over the past year, home values in Kelford have increased by 3.2%.
How much do I need to earn to buy a home in Kelford?
To comfortably afford the median home price of $57,463 with a 20% down payment ($11,493) at today's rates (6.8%), you'd need a gross annual income of approximately $15,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Kelford compare to the national average home price?
The national median home value is approximately $410,000. At $57,463, homes in Kelford are 86% below the national average.