Havelock, NC

Below Avg · 78

North Carolina · Population 16,471 · Updated March 2026

$1,269
Median Rent / Month
$64,433
Median Income
$186,800
Median Home Value
$1,219
Owner Costs / Month

Affordability

How far your income goes in Havelock

23.6%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in North Carolina

State-level tax rates that affect your costs

4.5%
Income Tax (Top Rate)
4.75%
Sales Tax
0.8%
Property Tax Rate

Estimated Annual Costs

$15,228
Annual Rent
$2,899
State Income Tax
$1,494
Property Tax (est.)

Cost of Living Overview

Havelock is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 78 (where 100 equals the national median), Havelock residents can expect to pay median rent of $1,269/month while earning a median household income of $64,433/year.

The median home value in Havelock, NC is $186,800, with typical monthly owner costs around $1,219 including mortgage, insurance, and taxes. The median rent-to-income ratio of 23.6% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

North Carolina has a moderate income tax rate of 4.5%. Combined with a 4.75% sales tax rate and 0.8% effective property tax rate, the overall tax environment is a factor in the total cost of living in Havelock.

Frequently Asked Questions

Common questions about living costs in Havelock

What is the cost of living in Havelock, NC?
The cost of living index in Havelock, NC is 78 (US average = 100). Median monthly rent is $1,269, median household income is $64,433/year, and the median home value is $186,800.
Is Havelock, NC affordable?
Yes, Havelock is more affordable than the national average with a cost index of 78. The rent-to-income ratio is 23.6%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Havelock, NC?
The median gross rent in Havelock, NC is $1,269 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $15,228.
What is the median household income in Havelock?
The median household income in Havelock, NC is $64,433 per year. This compares to the national median of approximately $80,000.
What are the taxes like in North Carolina?
North Carolina has a top income tax rate of 4.5%, a sales tax of 4.75%, and an effective property tax rate of 0.8%.