The median home in Stem, North Carolina is valued at $316,460, up 0.7% year over year. Stem 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$316,460

+0.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Stem.

Income (annual)

Down Payment

$63,292 on $316,460

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

Stretch31.6% of income

Above 28% but manageable with cuts.

PITI$1,972

P/I31.6%

Afford$281K

Gap-$36K

P&I $1,600Tax $222Ins $150

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 Stem 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.

View Durham-Chapel Hill, NC metro

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Stem, NC