Home Insurance Estimator for Winston-Salem, 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 Winston-Salem is $230,000, 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 Winston-Salem local data
How Winston-Salem Compares to the National Average
Understanding how Winston-Salem stacks up helps you calibrate your financial planning.
| Metric | Winston-Salem, NC | US Average | Difference |
|---|---|---|---|
| Median Home Price | $230,000 | $420,800 | -45.3% |
| Median Monthly Rent | $950 | $1,713 | -44.5% |
| Median Household Income | $52,600 | $74,580 | -29.5% |
| Property Tax Rate | 0.79% | 1.10% | -28.2% |
| Cost of Living Index | 88 | 100 | -12.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Winston-Salem Financial Snapshot
- Population (Metro)
- 680,000
- Unemployment
- 4.2%
- Avg Commute
- 22 min
- Median Age
- 35.7
- Price-to-Rent Ratio
- 20.2x
- Annual Property Tax
- $1,817
Home Insurance Estimator in Other North Carolina Cities
Frequently Asked Questions — Winston-Salem
What is the median home price in Winston-Salem, NC?
The median home price in Winston-Salem is $230,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Winston-Salem?
Median monthly rent in Winston-Salem is $950. That works out to $11,400/year, or 22% of the median household income — within the commonly recommended 30% of income guideline.
Is Winston-Salem affordable?
Winston-Salem's cost of living index is 88 vs. the national average of 100. With a median household income of $52,600/year and a median home price of $230,000, the price-to-income ratio is 4.4x. Winston-Salem falls in the middle of the affordability spectrum for US cities.
What is the property tax rate in Winston-Salem?
The effective property tax rate in Winston-Salem is 0.79% of assessed value. On the median home of $230,000, that's roughly $1,817/year ($151/month).