Assumable Mortgages in North Carolina

Assumable Homes in North Carolina

North Carolina is one of the fastest-growing states in the Southeast, and its assumable property market reflects that growth. Our North Carolina dataset covers approximately 96,000 FHA and VA assumable homes across 2,195 census tracts, with a median note rate of 3.6% — among the lowest in our dataset.

Fayetteville deserves special attention: as home to Fort Liberty (formerly Fort Bragg), one of the largest military installations in the world, it has one of the highest concentrations of VA assumable homes of any city in the country. Camp Lejeune near Jacksonville, Seymour Johnson AFB near Goldsboro, and Pope Army Airfield near Fayetteville further amplify North Carolina's VA assumable property inventory.

The Charlotte metro — including Concord, Gastonia, and Rock Hill just across the South Carolina border — carries strong FHA assumable property inventory. The Research Triangle (Raleigh, Durham, Chapel Hill) has seen significant price appreciation since 2020, making assumable homes at 3.6% especially valuable for buyers in that market.

At 6.5 years median age, North Carolina's assumable obligations skew toward the 2019–2021 origination window — capturing some of the lowest rates ever recorded. Our North Carolina data list covers all 100 counties at the census-tract level.