Market Overview
Home Prices in Stony Point, NC
The median home value in Stony Point, NC is $280,933 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.1% compared to a year ago and up 3.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Stony Point are priced31% below average. Stony Point is part of the Charlotte-Concord-Gastonia, NC-SC metro area.
Over the past five years, Stony Point home values have risen by approximately33.0%, reflecting strong long-term appreciation in this market.
Price History
Stony Point Home Price Trend
City Comparison
Stony Point vs. National Median
At $280,933, homes in Stony Point cost 31% below the national median of $410,000. This makes Stony Point a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Stony Point?
20% Down Payment
$56,187
on $280,933
Monthly P&I
$1,465/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,861/mo
incl. taxes & insurance
Income Needed
$74,440
gross annual (30% rule)
10% Down Option
$28,093
+ PMI applies
Loan Amount (20% dn)
$224,746
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 Stony Point, NC?
The median home value in Stony Point is $280,933 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.1% year-over-year.
How much have home prices changed in Stony Point?
Over the past year, home values in Stony Point have increased by 4.1%. Over five years, prices have risen approximately 33.0%.
How much do I need to earn to buy a home in Stony Point?
To comfortably afford the median home price of $280,933 with a 20% down payment ($56,187) at today's rates (6.8%), you'd need a gross annual income of approximately $74,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Stony Point compare to the national average home price?
The national median home value is approximately $410,000. At $280,933, homes in Stony Point are 31% below the national average.
What metro area is Stony Point part of?
Stony Point is part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area. Home prices and market conditions can vary across the broader metro region.