The median home in Monroe, North Carolina is valued at $345,584, up 0.4% year over year. Typical monthly rent is $1,975, producing a price-to-rent ratio of 14.6x — below the national average of 18x. Monroe is part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$345,584

+0.4%

Rent$1,975/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Monroe.

Income (annual)

Down Payment

$69,117 on $345,584

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

Stretch34.2% of income

Above 28% but manageable with cuts.

PITI$2,139

P/I34.2%

Afford$283K

Gap-$63K

P&I $1,747Tax $242Ins $150

Renting $164/mo cheaper ($1,975 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 Monroe 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 Charlotte-Concord-Gastonia, NC-SC analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Charlotte-Concord-Gastonia, NC-SC metro.

View Charlotte-Concord-Gastonia, NC-SC metro

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Monroe, NC