Mortgage · NC · 2026
Average Mortgage Payment in Durham, NC — 2026
The average mortgage payment in Durham is $2,900/month in 2026 (PITI, 7.1% rate, 10% down on the median home). See what you need to earn to qualify and compare lenders.
Average Monthly Payment
The average monthly mortgage payment (PITI) in Durham, NC is $2,900/month in 2026 — based on the local median home price at a 7.1% 30-year fixed rate with 10% down, including property taxes and homeowners insurance. To qualify at the 28% front-end DTI rule, buyers need approximately $124,286/year in gross income. Use the affordability calculator for your specific scenario.
Average Mortgage Payment in Durham, NC (2026) — Data Breakdown
| Item | Amount |
|---|---|
| Monthly PITI (est.) | $2,900/mo |
| Rate assumption | 7.1% 30-yr fixed (Freddie Mac PMMS May 2026) |
| Down payment | 10% |
| Min. income needed (28% DTI) | $124,286/yr |
| Annual housing cost | $34,800/yr |
| Includes | P&I, property tax, insurance, PMI |
Methodology: Based on NAR Q1 2026 median home price for Durham metro, Freddie Mac PMMS rate of 7.1%, Tax Foundation state property tax rate, and NAIC insurance data.