Cost of Living in Havelock, NC
Population 16,471 · North Carolina · Data vintage 2023
(100 = US avg)
Havelock offers a notably favorable income-to-housing ratio for its region. The typical home — $187,000 — costs less than 2.9 times median household income of $64,433, a threshold many coastal markets passed a decade ago.
Located 75 miles northeast of Wilmington, Havelock is far enough out that local conditions diverge meaningfully from the big-metro baseline. Median home values run roughly 47% lower than Wilmington's $350,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Havelock
The median home value in Havelock is $186,800 — 39% below the national median of $305,000. Median rent runs $1,269/month, 3% lower than the national median of $1,314/month. The median household income of $64,433/year is 14% lower than the US median of $74,580. The local unemployment rate is 5.1%, above the national average of 4.8%. North Carolina's top state income tax rate is 4.5% and the combined sales tax is 7.0%. The climate averages highs of 74.2°F and lows of 54.4°F. Overall, Havelock has a cost of living index of 75 versus the US average of 100, meaning it is 25% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 57 | 60 | 66 | 74 | 81 | 87 | 90 | 89 | 84 | 76 | 67 | 60 |
| Low °F | 36 | 38 | 44 | 52 | 61 | 69 | 73 | 72 | 68 | 56 | 46 | 40 |
| Precip" | 4.07 | 3.40 | 3.56 | 3.52 | 3.94 | 4.87 | 7.38 | 7.21 | 8.20 | 3.81 | 3.76 | 3.70 |
| Snow" | 0.6 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 |
Frequently Asked Questions
What is the cost of living in Havelock, NC?
Havelock has a cost index of 75 (100 = national average). It is 25% below the national average.
What is average rent in Havelock, NC?
The median gross rent in Havelock is $1,269 per month based on 2023 Census data.
What is the average home price in Havelock?
The median home value in Havelock is $186,800 according to Zillow and Census data.
What is the median income in Havelock?
The median household income in Havelock is $64,433 per year (2023 ACS 5-year estimates).
What is the sales tax in Havelock, NC?
The combined state and local sales tax rate in Havelock is 7.0%. The North Carolina state income tax top rate is 4.5%.
Is Havelock, NC affordable?
Yes, Havelock is generally considered affordable, with a cost of living index of 75 — about 25% below the US national average of 100.
What is the weather like in Havelock?
Havelock has average high temperatures of 74.2°F and average lows of 54.4°F. Annual precipitation is 57.4". Average annual snowfall is 0.8". Data from NOAA 1991–2020 Climate Normals.
Havelock at a Glance
- Population
- 16,471
- Median Income
- $64,433
- Home Value
- $186,800
- Median Rent
- $1,269/mo
- Unemployment
- 5.1%
- Avg High Temp
- 74.2°F
- Sales Tax
- 7.0%
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North Carolina Rankings
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