Lumberton, NC

Very Low · 54

North Carolina · Population 19,220 · Updated March 2026

$824
Median Rent / Month
$43,114
Median Income
$140,100
Median Home Value
$843
Owner Costs / Month

Affordability

How far your income goes in Lumberton

22.9%
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

$9,888
Annual Rent
$1,940
State Income Tax
$1,121
Property Tax (est.)

Cost of Living Overview

Lumberton is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 54 (where 100 equals the national median), Lumberton residents can expect to pay median rent of $824/month while earning a median household income of $43,114/year.

The median home value in Lumberton, NC is $140,100, with typical monthly owner costs around $843 including mortgage, insurance, and taxes. The median rent-to-income ratio of 22.9% 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 Lumberton.

Frequently Asked Questions

Common questions about living costs in Lumberton

What is the cost of living in Lumberton, NC?
The cost of living index in Lumberton, NC is 54 (US average = 100). Median monthly rent is $824, median household income is $43,114/year, and the median home value is $140,100.
Is Lumberton, NC affordable?
Yes, Lumberton is more affordable than the national average with a cost index of 54. The rent-to-income ratio is 22.9%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Lumberton, NC?
The median gross rent in Lumberton, NC is $824 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $9,888.
What is the median household income in Lumberton?
The median household income in Lumberton, NC is $43,114 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%.