Stokes County, North Carolina: What It Costs to Buy a Home
The median home in Stokes County is worth $186,800, property taxes on it run about $1,158 a year (0.62%), the FHA loan limit is $541,287, and closing on it means about $374 in transfer tax plus $496 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $186,800 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,158 a year, 0.62% 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 | $374 | North Carolina transfer tax page → |
| Title insurance on the median home | $467 owner's + $29 lender's | Title insurance page → |
| Closing costs from these items | $870 | Closing costs page → |
| Area median income (HUD, family of 4) | $96,700; low-income limit $76,250 | Income limits page → |
Frequently asked questions
How much do homes cost in Stokes County?
The median owner-occupied home in Stokes County is valued at $186,800, 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 Stokes County?
The median Stokes County homeowner pays $1,158 a year in real estate taxes, about 0.62% of the median home value ($1,252 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Stokes 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 Stokes County?
On the $186,800 median home: transfer tax $374, title insurance $496 for both policies, about $870 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Stokes County?
HUD's FY 2026 median family income for Stokes County (Winston-Salem, NC HUD Metro FMR Area) is $96,700. A family of four counts as low income below $76,250 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
- Sampson County $128,400
- Scotland County $109,900
- Stanly County $214,300
- Surry County $166,400
- Swain County $209,800
- Transylvania County $336,100
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.
Every North Carolina county → North Carolina closing costs →
General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
Counties in every state