How much do homeowners pay a month in Elm City, NC?

Name: Homeowner costs in Elm City, NC, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Elm City, NC pay a median of $1,075 (±$83) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $482 (±$43).

43.9% of owned homes carry a mortgage.

In Elm City, the median monthly cost with a mortgage went from $873 in 2015–2019 to $1,075 in 2020–2024 (+23.1%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $1,075 (±$83)
Without a mortgage: $482 (±$43)
Owned with a mortgage: 43.9%

Monthly owner costs in Elm City

Median selected monthly owner costs, estimate (90% margin of error)
	Elm City	Wilson County	North Carolina	United States
With a mortgage	$1,075 (±$83)	$1,386 (±$47)	$1,631 (±$6)	$1,963
Without a mortgage	$482 (±$43)	$483 (±$18)	$490 (±$3)	$638
Owned homes with a mortgage	43.9% (±14.5 points)	57.6% (±2.5 points)	61.3% (±0.2 points)	60.6%
Median real estate taxes (a year)	$1,023 (±$174)	$1,471 (±$56)	$1,896 (±$8)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Elm City, the median cost with a mortgage is lower than in Wilson County ($1,386).

It is also lower than in North Carolina ($1,631).

It is lower than the national figure ($1,963).

In Wilson County, Elm City ranks 5 of 7 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 582 of 641.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Elm City have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$873 (±$52)	$1,075 (±$83)	+23.1%	No measurable change after inflation
Median real estate taxes	$1,123 (±$130)	$1,023 (±$174)	−8.9%	Down after inflation
Median home value	$82,100 (±$7,104)	$109,300 (±$22,353)	+33.1%	No measurable change after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Elm City

Nearest places with a published estimate, compared with Elm City
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Elm City	—	$1,075 (±$83)	—
Sharpsburg	4.6 mi	$1,429 (±$181)	Higher
Wilson	6.5 mi	$1,436 (±$75)	Higher
Macclesfield	11 mi	$1,375 (±$110)	Higher
Saratoga	11 mi	$1,029 (±$315)	Not measurably different
Rocky Mount	12 mi	$1,353 (±$48)	Higher
Sims	12 mi	$1,399 (±$59)	Higher
Pinetops	12 mi	$1,349 (±$250)	Higher
Black Creek	12 mi	$1,043 (±$146)	Not measurably different

Nearby places with a measurably higher figure: Sharpsburg, NC ($1,429), Wilson, NC ($1,436), Macclesfield, NC ($1,375).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Wilson County, place by place

Rank	Place	Median monthly cost with a mortgage
1	Wilson	$1,436 (±$75)
2	Sims	$1,399 (±$59)
3	Stantonsburg	$1,313 (±$133)
4	Lucama	$1,273 (±$403)
5	Elm City	$1,075 (±$83)
6	Black Creek	$1,043 (±$146)
7	Saratoga	$1,029 (±$315)

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Elm City

What is the average mortgage payment in Elm City?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Elm City, NC is $1,075 (±$83) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Elm City?

Owners without a mortgage in Elm City pay a median of $482 (±$43) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Elm City gone up?

In Elm City, the median monthly cost with a mortgage went from $873 in 2015–2019 to $1,075 in 2020–2024 (+23.1%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Elm City town, North Carolina (place:20980, in state:37).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.