Compare High Point, NC mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in High Point.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in High Point. Plus, shopping lenders is free and there is no obligation.
August 2, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in High Point. Understand how much you need to earn to afford a home in High Point, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in High Point fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in High Point is right for you.
The median home value for High Point, NC (Randolph County) is $174,713
Based on current mortgage rates and a 10% down payment, you need to make $36,448 per year to buy the median priced home in High Point
With this income, you could qualify for a $157,242 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in High Point is $844
The median household income for High Point, NC (Randolph County) is $58,205
Based on this income, you can afford a home valued at approximately $279,003
The home price you can afford to buy based on household income in High Point is 160% of the median home value which means housing prices are average. High Point (Randolph County) ranks 23 out of 100 counties in North Carolina and 1,640 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in High Point, NC is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for High Point (Randolph County) below.
Conforming loan limits for High Point, NC
FHA loan limits for High Point, NC