1st Advantage MortgageWith a median home value of $114,500 against a median household income of $50,086, housing takes a large share of budgets in Northampton County. Before borrowing here, test the new payment against your debt-to-income ratio, compare APR and total cost on at least three written offers, and confirm the lender is licensed in North Carolina.
On this page
- Northampton County in numbers
- Paychecks in Northampton County
- Age, schooling and housing in Northampton County
- A median Northampton County budget
- Reading the Northampton County data as a borrower
- Where Northampton County ranks
- Local background
- Do this before signing in Northampton County
- Northampton County communities by size
- Types of housing in Northampton County
- How income is spread in Northampton County
- Carolina counties near Northampton County
- Northampton County at the top or bottom of North Carolina
- Frequently asked questions
Northampton County in numbers
Numbers come from the Census Bureau's 2020 to 2024 ACS for Northampton County. Treat them as estimates.
Paychecks in Northampton County
In Northampton County, 24% of employed residents work in education and health care, 20% in manufacturing and 13% in retail. Relative to the rest of our Carolina county set, Northampton County is heavier in manufacturing (20% against 14%).
Break Northampton County households into income groups and 36% fall below $35,000, 41% land between $35,000 and $100,000, and 23% reach $100,000 or beyond. Against our Carolina county medians, Northampton County runs -3 points on $100,000+ households and +7 on households under $35,000. A Gini reading of 0.49 sums up how unevenly income is spread in Northampton County. Use these shares to understand your area, then run your own income through the calculators.
Age, schooling and housing in Northampton County
Residents of Northampton County have a median age of 52.0; 18% of adults 25 and older have at least a bachelor's degree, and 15% did not finish high school. Relative to our Carolina county medians: +9.8 years on age, -6 points on degrees. A younger population often means more renters and more movers, both common reasons to borrow.
Homes in Northampton County are 64% single-family detached, 2% in buildings of five or more units and 30% mobile or manufactured. Northampton County has fewer large-building apartments than the middle of our set, by 2.9 points.
A median Northampton County budget
Here is the budget math at the median. A Northampton County household earning $50,086 a year has about $4,174 a month before taxes. The median gross rent of $758 takes roughly 18% of that, against a common affordability yardstick of 30%, or about $1,252. If a lender capped total monthly debt at 36% of gross income, a common benchmark, the median household's ceiling would be about $1,503 a month. The typical home is priced at 2.3 times the median household income. The median is a reference point only; your own gross income and debts are what count.
Reading the Northampton County data as a borrower
Homes are comparatively affordable relative to income in Northampton County: a median value of $114,500 against a median household income of $50,086 (a ratio of about 2.3). That can give owners more flexibility, including paying a personal loan off early.
The Census Bureau's estimate for unemployment among Northampton County's labor force is 8.1%, higher than in most of the 146 Carolina county places we cover. Lenders look hard at income stability, so documented, steady income matters.
35% of Northampton County owners with a mortgage are cost-burdened by the Census definition, above most of the Carolina county places we track. Adding a payment on top deserves a hard look at the monthly budget.
Where Northampton County ranks
Ranked against 146 Carolina county places, Northampton County shows a median household income of $50,086 (117th highest of 146), a median gross rent of $758 (126th highest of 146), and a median home value of $114,500 (132nd highest of 146). These ranks describe a place, not a household.
Of the places of similar size that we cover in North Carolina, two reference points are Bertie County ($48,750 income, $839 rent), where Northampton County runs 3% above on income and 10% below on rent and Avery County ($61,428 income, $773 rent), where Northampton County runs 18% below on income and 2% below on rent. Compare the same four numbers on every offer wherever you live.
Local background
Largest communities in Northampton County, by 2020 to 2024 population: Gaston, Rich Square, Conway, Jackson (10 Census places in all). Residents of Gaston or anywhere else in Northampton County who do not see a city guide can use this page.
Do this before signing in Northampton County
- License check for Northampton County borrowers: the NC Commissioner of Banks lists licensed consumer finance companies.
- Read your free credit reports at AnnualCreditReport.com and fix errors before you shop.
- Run the offer checklist before you sign.
- Plan for a bad month: if hours drop or the car breaks, could the payment still go out?
- Try the free routes first: a credit union, a hardship plan or a nonprofit counselor may beat any loan (free options).
Northampton County communities by size
Northampton County contains 10 Census places, 9 of them incorporated.
| Place | Status | Residents | Share of county | Median home value |
|---|---|---|---|---|
| Gaston | incorporated town | 912 | 5.4% | $77,200 |
| Rich Square | incorporated town | 880 | 5.2% | $85,000 |
| Conway | incorporated town | 832 | 4.9% | $106,000 |
| Jackson | incorporated town | 777 | 4.6% | n/a |
| Seaboard | incorporated town | 585 | 3.5% | $91,500 |
| Garysburg | incorporated town | 572 | 3.4% | $107,600 |
| Woodland | incorporated town | 497 | 2.9% | $112,500 |
| Severn | incorporated town | 158 | 0.9% | $120,500 |
| Lasker | incorporated town | 152 | 0.9% | $112,500 |
| Milwaukee | unincorporated (CDP) | 139 | 0.8% | $110,000 |
Types of housing in Northampton County
The housing stock in Northampton County is 64% detached houses; apartments in buildings of 5+ units account for 2%, and mobile homes for 30%. Detached houses (64%) bring roof, HVAC and plumbing bills that are a common reason Northampton County owners borrow.
| Housing units by type | Northampton County | Gap to North Carolina average |
|---|---|---|
| Single-family detached | 63.9% | -1.4 pts |
| Townhouse or attached | 0.8% | -4.0 pts |
| 2 to 4 units | 4.0% | -0.6 pts |
| 5 to 19 units | 1.0% | -7.2 pts |
| 20 or more units | 0.5% | -5.5 pts |
| Mobile home | 29.6% | +18.6 pts |
How income is spread in Northampton County
Eight income steps for Northampton County: the largest group, 18% of households, is in the $50,000 to $74,999 band. The 23% of households above $100,000 are not immune: big incomes often come with big fixed costs.
| Income band | County share | Compared with state |
|---|---|---|
| Under $15,000 | 17.4% | +8.7 pts |
| $15,000 to $24,999 | 11.9% | +4.8 pts |
| $25,000 to $34,999 | 7.1% | -0.3 pts |
| $35,000 to $49,999 | 13.5% | +1.8 pts |
| $50,000 to $74,999 | 17.5% | +0.8 pts |
| $75,000 to $99,999 | 9.6% | -3.4 pts |
| $100,000 to $149,999 | 11.7% | -5.0 pts |
| $150,000 or more | 11.3% | -7.4 pts |
Carolina counties near Northampton County
The five closest Carolina counties to Northampton County, by distance between county centers. Gates County is the oldest of them (median age 47.6) and Bertie County has the largest share of college graduates (19%).
| County | How far | People | Median age | Degree holders | Poverty rate |
|---|---|---|---|---|---|
| Northampton County | - | 16,931 | 52.0 | 18% | 21% |
| Halifax County, NC | 18 mi | 47,675 | 43.6 | 16% | 23% |
| Hertford County, NC | 24 mi | 19,908 | 42.6 | 17% | 23% |
| Bertie County, NC | 35 mi | 17,170 | 46.6 | 19% | 16% |
| Edgecombe County, NC | 37 mi | 48,736 | 41.7 | 18% | 22% |
| Gates County, NC | 39 mi | 10,376 | 47.6 | 11% | 9% |
Northampton County at the top or bottom of North Carolina
Northampton County ranks furthest from the middle of North Carolina on home values and age, then unemployment.
- On home values ($114,500), Northampton County ranks #5 lowest of 100 statewide, against $213,900 for the middle Carolina county. Little equity to tap; unsecured loans are the norm.
- Age puts Northampton County at #7 of 100 among North Carolina counties (52.0 years). Benefit and pension income counts when documented.
- Northampton County: 8.1% for unemployment, #8 of 100 in North Carolina. Gather income records before applying.
| Where it stands out | Value | North Carolina rank | Carolina median |
|---|---|---|---|
| Home values | $114,500 | #5 lowest of 100 | $213,900 |
| Age | 52.0 years | #7 of 100 | 42.3 years |
| Unemployment | 8.1% | #8 of 100 | 4.9% |
Frequently asked questions
At 2.3 times income, how do Northampton County home prices affect borrowing?
They tighten budgets. With a $114,500 median home and $50,086 median income, size any loan to a written estimate and keep the term short.
Is the fit check different for Northampton County residents?
No. We never score neighborhoods. Northampton County residents are screened on the same four answers as everyone else.
Who regulates personal lenders in North Carolina?
For Northampton County borrowers, the North Carolina Commissioner of Banks is the licensing agency for consumer finance lenders. Payday loans are illegal in the state.
How fast can someone in Northampton County get funds?
Prequalification can take minutes; funding after verification often takes one to several business days. No legitimate lender charges a Northampton County borrower a fee to speed it up.