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.

See the full metro analysis: Durham-Chapel Hill, NC stress score, crash risk, and 12-month forecast →

Home Value$316,460

+0.7%

AFFORDABILITY

Enter your income for Stem.

Income (annual)

Down Payment

$63,292 on $316,460

Stretch — 31.6% 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$1644K Bald Head Island$1365K Cashiers$1341K Marvin$1225K Weddington$1041K Highlands$1015K 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 →

STEM, NC