The full field guide behind the article. This companion page gives you the numbers, the sources, and the download — and it lives on our site so search engines and AI answer engines can index every figure you should be quoting a buyer or seller in the Triad this fall.
You get the full 6-page field guide with per-county property tax rates, insurance planning numbers, closing cash breakdowns, and the two-page reserve worksheet.
Download the PDF →Rate-sheet math and reality math are different math. When you see a $1,818 principal-and-interest payment on a $350,000 house, that is the loan payment. It is not the housing cost. Property taxes, insurance, and a repair reserve add roughly six hundred to seven hundred dollars a month across the Triad depending on which county your address sits in. If you plan your monthly on the rate-sheet number, you will feel poor. If you plan on the all-in number, you will feel safe.
This field guide is the numbers we walk clients through before we write an offer. It is written for buyers, but sellers benefit too — because when your buyer is prepared, your closing does not blow up over a payment surprise on the drive to signing.
I’m Teresa Overcash, Broker-in-Charge at Realty ONE Group Results. We are 280 agents strong across 8 NC offices, with 30 years and 10,000+ North Carolina closings behind us. Text me at 336-262-3111 or email TeresaOvercash@gmail.com. I’ll walk you through what a $2,450 all-in monthly actually feels like in your target neighborhood.