Asheville move math.

What a house here actually costs each month: mortgage, Buncombe and Asheville property tax, insurance, HOA. Swap in your real quotes as you collect them. Tax rates are current as of July 2026.

What's in the number, and what isn't

• Principal and interest use the standard fixed-rate amortization formula on your loan amount.
• Property tax uses Buncombe County's 2026 rate of 61.54 cents per $100 (set July 14, 2026 on 2021 values) and, inside city limits, the City of Asheville's adjusted 50.78 cents per $100 (adopted July 15, 2026). Together that is 1.1232% of assessed value. Fire districts and other special district taxes outside city limits are not included. Rates and values can change with the 2027 reappraisal.
• Insurance figures are placeholders you should replace. Standard homeowners policies typically don't cover flood, so price flood separately, and see the insurance section of the checklist.
• PMI appears only when you put less than 20% down on a conventional loan. Annual premiums are commonly quoted somewhere around 0.3% to 1.5% of the loan depending on credit score and down payment (Experian, ValuePenguin). Your lender's quote decides.
• Income needed uses two rules of thumb lenders often reference: housing at about 28% of gross income, and total debts at about 36%. They are guidelines, not approval criteria, and they vary by loan.
• Not included: utilities, maintenance, closing costs, moving costs, HOA special assessments, and any changes to flood maps or insurance rates.

This is an estimate for planning, not a loan offer or a quote. Confirm rates and costs with a lender, a licensed insurance agent and the county before you rely on them. Dylan Lennon is a licensed real estate broker with Unique Real Estate Collective, not a lender or an insurance agent.

Read the risk checklist →   Moving here? Start with the honest guide →   Talk it through with me →