Transylvania County, NC Average Home Price (2026)
The average home price in Transylvania County, North Carolina is about $430,000 (the 2026 median across 8 ZIP codes, at ~$306/sq ft) — 50% more expensive than the North Carolina median and 49% more expensive than the typical U.S. home.
How Transylvania County compares
Transylvania County is relatively expensive for housing nationally: its typical home costs $430,000 against $287,000 for North Carolina and $289,000 for the U.S. Within the county, ZIP-level values run from about $316,000 to $673,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Transylvania County | $430,000 | $306 |
| North Carolina | $287,000 | $203 |
| United States | $289,000 | $193 |
Transylvania County home prices by ZIP code
The 8 most valuable ZIP codes in Transylvania County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 28747 Lake Toxaway | $673,000 | $484 | +57% |
| 28774 Sapphire | $657,000 | $366 | +53% |
| 28712 Brevard | $457,000 | $314 | +6% |
| 28768 Pisgah Forest | $449,000 | $269 | +4% |
| 28766 Penrose | $411,000 | $268 | -4% |
| 28718 Cedar Mountain | $401,000 | $333 | -7% |
| 28772 Brevard | $317,000 | $297 | -26% |
| 28708 Balsam Grove | $316,000 | $245 | -27% |
Home value appreciation in Transylvania County
Home prices in Transylvania County have risen about 128% over the last 10 years (≈8.6% a year) and +145.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.4% — still rising. A home worth $430,000 today was worth roughly $188,349 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 Transylvania County
Run the numbers for Transylvania County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Transylvania County
To buy the typical $430,000 home in Transylvania County with 20% down, you need a household income of roughly $117,000 a year (about $2,730 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $139,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $21,500 | $3,390/mo | $145,000/yr |
| 10% (+PMI) | $43,000 | $3,240/mo | $139,000/yr |
| 20% | $86,000 | $2,730/mo | $117,000/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 Transylvania County
At about $306 per square foot, here is roughly how much home different budgets get you in Transylvania County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 650 sq ft | below the local median — condos, smaller or older homes |
| $250k | 820 sq ft | below the local median — condos, smaller or older homes |
| $300k | 980 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1310 sq ft | around the typical home here |
| $500k | 1630 sq ft | around the typical home here |
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 Transylvania County
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Transylvania 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.