The median home in Chapel Hill, North Carolina is valued at $617,489, down 0.5% year over year. Typical monthly rent is $1,796, producing a price-to-rent ratio of 28.7x — well above the national average of 18x. Chapel Hill is part of the Durham-Chapel Hill, NC metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$617,489

-0.5%

Rent$1,796/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$123,498 on $617,489

Example: $75,000 household income. Change it above to see your own.

Out of reach59.3% of income

Need $158,786/yr to afford.

PITI$3,705

P/I59.3%

Afford$292K

Gap-$326K

P&I $3,122Tax $432Ins $150

Renting $1,909/mo cheaper ($1,796 rent)6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in North Carolina

Compare Chapel Hill with other housing markets across North Carolina.

Wrightsville Beach$1.64M Bald Head Island$1.36M Cashiers$1.34M Marvin$1.23M Weddington$1.04M Highlands$1.02M Duck$978K Topsail Beach$927K

Full Durham-Chapel Hill, NC analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Durham-Chapel Hill, NC metro.

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