Alexander County, North Carolina: What It Costs to Buy a Home
The median home in Alexander County is worth $190,000, property taxes on it run about $1,199 a year (0.63%), the FHA loan limit is $541,287, and closing on it means about $380 in transfer tax plus $502 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $190,000 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,199 a year, 0.63% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $380 | North Carolina transfer tax page → |
| Title insurance on the median home | $473 owner's + $29 lender's | Title insurance page → |
| Closing costs from these items | $882 | Closing costs page → |
| Area median income (HUD, family of 4) | $85,200; low-income limit $68,150 | Income limits page → |
Frequently asked questions
How much do homes cost in Alexander County?
The median owner-occupied home in Alexander County is valued at $190,000, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Alexander County?
The median Alexander County homeowner pays $1,199 a year in real estate taxes, about 0.63% of the median home value ($1,269 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Alexander County?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Alexander County?
On the $190,000 median home: transfer tax $380, title insurance $502 for both policies, about $882 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Alexander County?
HUD's FY 2026 median family income for Alexander County (Hickory-Lenoir-Morganton, NC MSA) is $85,200. A family of four counts as low income below $68,150 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby North Carolina counties
- Alamance County $221,200
- Alleghany County $199,000
- Anson County $119,300
- Ashe County $221,900
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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