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📍 Light Oak, NC · Zillow ZHVI · July 2026

Average Home Price in
Light Oak, NC

Shelby, NC metro area · Cleveland County County

Median Home Value
$130,482
↓ 17.7% year-over-year
vs. National Median
$410,000
Light Oak is 68% below
Est. Monthly Payment
$681/mo
20% down · 6.8% rate
Income Needed
$35K
gross annual (30% rule)
Median Home Value
$130,482
↓ 17.7% year-over-year
Down Payment (20%)$26,096
Monthly P&I$681/mo
With Taxes & Ins.~$865/mo
Income Needed$34,600/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Light Oak, NC

The median home value in Light Oak, NC is $130,482 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 17.7% compared to a year ago and down 14.6% from two years prior.

Compared to the U.S. national median of $410,000, homes in Light Oak are priced68% below average. Light Oak is part of the Shelby, NC metro area.

City Comparison

Light Oak vs. National Median

🏠 Light Oak
$130,482
National Median
$410,000

At $130,482, homes in Light Oak cost 68% below the national median of $410,000. This makes Light Oak a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Light Oak?

20% Down Payment
$26,096
on $130,482
Monthly P&I
$681/mo
30-yr @ 6.8%
Total Monthly Est.
~$865/mo
incl. taxes & insurance
Income Needed
$34,600
gross annual (30% rule)
10% Down Option
$13,048
+ PMI applies
Loan Amount (20% dn)
$104,386
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 Light Oak, NC?
The median home value in Light Oak is $130,482 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 17.7% year-over-year.
How much have home prices changed in Light Oak?
Over the past year, home values in Light Oak have decreased by 17.7%.
How much do I need to earn to buy a home in Light Oak?
To comfortably afford the median home price of $130,482 with a 20% down payment ($26,096) at today's rates (6.8%), you'd need a gross annual income of approximately $34,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Light Oak compare to the national average home price?
The national median home value is approximately $410,000. At $130,482, homes in Light Oak are 68% below the national average.
What metro area is Light Oak part of?
Light Oak is part of the Shelby, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.