What income do you need to buy a house in Wilmington, NC?
It takes about $115,000/yr to afford the typical Wilmington, NC home ($423K, -0.8% past year) at today's rates. Starter homes run around $298K. See if you can afford a house in Wilmington (2026 data) — free, no signup.
Market snapshot (2026-06)
- Income needed to buy the typical home: about $115,000/yr (28% front-end ratio, 20% down, 6.66% 30-yr fixed, NC property tax and insurance)
- Typical home value: $423K (Zillow ZHVI, 2026-06)
- 1-year change: -0.8%
- Bottom 35% of homes: $298K
- Top 35% of homes start around: $713K
- Typical rent: $1,694/mo
- Median household income: $67K
- Price-to-income ratio: 6.3
- Estimated payment on the typical home: $2,174/mo principal & interest (20% down, 6.66% 30-yr fixed)
Nearby housing markets
The most affordable cities to buy a house in North Carolina
Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.
i wanna buy a house .com — type a city, see its market, find out what you can afford.