Market Overview
Home Prices in Scotland Neck, NC
The median home value in Scotland Neck, NC is $80,019 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.3% 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 Scotland Neck are priced80% below average. Scotland Neck is part of the Roanoke Rapids, NC metro area.
Over the past five years, Scotland Neck home values have risen by approximately12.1%, reflecting steady appreciation in this market.
Price History
Scotland Neck Home Price Trend
City Comparison
Scotland Neck vs. National Median
At $80,019, homes in Scotland Neck cost 80% below the national median of $410,000. This makes Scotland Neck a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Scotland Neck?
20% Down Payment
$16,004
on $80,019
Monthly P&I
$417/mo
30-yr @ 6.8%
Total Monthly Est.
~$530/mo
incl. taxes & insurance
Income Needed
$21,200
gross annual (30% rule)
10% Down Option
$8,002
+ PMI applies
Loan Amount (20% dn)
$64,015
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 Scotland Neck, NC?
The median home value in Scotland Neck is $80,019 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.3% year-over-year.
How much have home prices changed in Scotland Neck?
Over the past year, home values in Scotland Neck have increased by 5.3%. Over five years, prices have risen approximately 12.1%.
How much do I need to earn to buy a home in Scotland Neck?
To comfortably afford the median home price of $80,019 with a 20% down payment ($16,004) at today's rates (6.8%), you'd need a gross annual income of approximately $21,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Scotland Neck compare to the national average home price?
The national median home value is approximately $410,000. At $80,019, homes in Scotland Neck are 80% below the national average.
What metro area is Scotland Neck part of?
Scotland Neck is part of the Roanoke Rapids, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.