Home Insurance Estimator for Fayetteville, NC
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within North Carolina, driven by weather risks, construction costs, and local claims history. The median home value in Fayetteville is $195,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Fayetteville local data
How Fayetteville Compares to the National Average
Understanding how Fayetteville stacks up helps you calibrate your financial planning.
| Metric | Fayetteville, NC | US Average | Difference |
|---|---|---|---|
| Median Home Price | $195,000 | $420,800 | -53.7% |
| Median Monthly Rent | $859 | $1,713 | -49.9% |
| Median Household Income | $49,800 | $74,580 | -33.2% |
| Property Tax Rate | 0.79% | 1.10% | -28.2% |
| Cost of Living Index | 84 | 100 | -16.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Fayetteville Financial Snapshot
- Population (Metro)
- 520,000
- Unemployment
- 4.6%
- Avg Commute
- 24 min
- Median Age
- 30.2
- Price-to-Rent Ratio
- 18.9x
- Annual Property Tax
- $1,541
Home Insurance Estimator in Other North Carolina Cities
Frequently Asked Questions — Fayetteville
What is the median home price in Fayetteville, NC?
The median home price in Fayetteville is $195,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Fayetteville?
Median monthly rent in Fayetteville is $859. That works out to $10,308/year, or 21% of the median household income — within the commonly recommended 30% of income guideline.
Is Fayetteville affordable?
Fayetteville's cost of living index is 84 vs. the national average of 100. With a median household income of $49,800/year and a median home price of $195,000, the price-to-income ratio is 3.9x. Fayetteville remains relatively affordable compared to many US metros.
What is the property tax rate in Fayetteville?
The effective property tax rate in Fayetteville is 0.79% of assessed value. On the median home of $195,000, that's roughly $1,541/year ($128/month).