Surry County, NC Average Home Price (2026)
The average home price in Surry County, North Carolina is about $260,500 (the 2026 median across 8 ZIP codes, at ~$190/sq ft) — 9% more affordable than the North Carolina median and 10% more affordable than the typical U.S. home.
How Surry County compares
Surry County is about average for housing nationally: its typical home costs $260,500 against $287,000 for North Carolina and $289,000 for the U.S. Within the county, ZIP-level values run from about $220,000 to $887,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Surry County | $260,500 | $190 |
| North Carolina | $287,000 | $203 |
| United States | $289,000 | $193 |
Surry County home prices by ZIP code
The 8 most valuable ZIP codes in Surry County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 27047 Siloam | $887,000 | $467 | +240% |
| 27007 Ararat | $287,000 | $166 | +10% |
| 27041 Pilot Mountain | $284,000 | $213 | +9% |
| 27017 Dobson | $263,000 | $195 | +1% |
| 28676 State Road | $258,000 | $215 | -1% |
| 28621 Elkin | $227,000 | $179 | -13% |
| 27024 Lowgap | $223,000 | $185 | -14% |
| 27030 Mount Airy | $220,000 | $181 | -16% |
Home value appreciation in Surry County
Home prices in Surry County have risen about 92% over the last 10 years (≈6.7% a year) and +94.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -0.6% — roughly flat. A home worth $260,500 today was worth roughly $135,748 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, North Carolina is +106.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Surry County
Run the numbers for Surry County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Surry County
To buy the typical $260,500 home in Surry County with 20% down, you need a household income of roughly $71,000 a year (about $1,650 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $84,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,000 | $2,060/mo | $88,000/yr |
| 10% (+PMI) | $26,100 | $1,960/mo | $84,000/yr |
| 20% | $52,100 | $1,650/mo | $71,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Surry County
At about $190 per square foot, here is roughly how much home different budgets get you in Surry County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 790 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1050 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1320 sq ft | around the typical home here |
| $300k | 1580 sq ft | around the typical home here |
| $400k | 2110 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to North Carolina.
Estimate a specific home in Surry County
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Surry County home prices: frequently asked
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Browse all North Carolina cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.