Key Takeaways

Key Takeaways Strong Growth Market: High Point's population of 115,000 and 15% increase in building permits show sustained housing demand, creating a competitive seller's market. Affordability Challenges: With average home prices at $285,000 and mortgage rates near 7%, many working families are struggling to qualify for home purchases despite median incomes around $52,000. Investment Opportunity: The combination of population growth, economic diversification, and relative affordability compared to other NC markets makes High Point attractive for real estate investors. Seller Advantage: Current homeowners benefit from strong demand and appreciating values, but those looking to buy within High Point face the same competitive market conditions.

High Point, NC Housing Market 2026: What Homeowners Need to Know About Affordability and Growth

Look, I've been watching the High Point housing market for years, and 2026 is shaping up to be one of those years where a lot is happening at once. The Furniture Capital of the World isn't just known for its market anymore — it's becoming a real player in North Carolina's housing boom.

I had a homeowner call me last week from High Point who said, "Uncle Charles, my neighbor's house sold for $50,000 more than mine was worth two years ago. What's going on?" Here's the deal: High Point is experiencing the kind of growth that creates both opportunities and challenges for homeowners.

High Point's Population Growth is Driving Housing Demand

High Point's population has grown to approximately 115,000 residents as of 2026, representing steady growth over the past few years. The city's location in the Piedmont Triad, with easy access to Greensboro and Winston-Salem, makes it attractive to families and professionals who want more space for their money.

What I'm seeing is this: people are discovering that High Point offers the amenities of a mid-size city without the price tag of Charlotte or Raleigh. The city's investment in downtown revitalization and the continued success of the High Point Market are bringing in new residents who need places to live.

This population growth is putting pressure on housing inventory. When more people want to live somewhere but there aren't enough homes, prices go up. It's basic supply and demand, and High Point is feeling it.

New Construction: Trying to Keep Up with Demand

High Point issued over 400 new residential building permits in 2025, a 15% increase from the previous year. Most of these are single-family homes in the $250,000 to $400,000 range, targeting first-time homebuyers and young families.

The new construction is concentrated in areas like Southwest High Point and along the US-311 corridor, where developers can find larger parcels of land. I've seen some nice developments going up, but here's what homeowners need to understand: new construction takes time, and we're still playing catch-up with demand.

Whether you sell to us at HOMESELL USA or go the traditional route, if you're thinking about selling in High Point, this supply shortage is working in your favor. But if you're looking to buy, you're competing with more buyers than sellers right now.

Mortgage Activity: The Reality Check

Here's where things get interesting. Mortgage rates in early 2026 are hovering around 6.8% to 7.2% for a 30-year fixed loan. That's significantly higher than what we saw a few years back, and it's affecting who can afford to buy homes in High Point.

The average home price in High Point has reached approximately $285,000 as of February 2026, up about 8% from the same time last year. For a median household income of around $52,000 in High Point, that means many families are spending more than 30% of their income on housing — which is traditionally considered the maximum for financial comfort.

I'm seeing more people who want to buy but can't qualify for the mortgages they need. At the same time, I'm seeing homeowners who want to move up but can't afford the next level because of these higher rates. It creates a kind of market paralysis that affects everyone.

Affordability: The Real Challenge

Let me be straight with you about affordability in High Point. While it's still more affordable than Charlotte or the Research Triangle, it's getting tougher for regular working families to buy homes here.

A teacher or manufacturing worker making $45,000 a year is looking at a monthly payment of around $2,100 for that average-priced home at current rates. Add in property taxes, insurance, and maintenance, and you're talking about a significant chunk of take-home pay.

This is creating what I call the "squeeze generation" — people who make too much money to qualify for first-time buyer assistance programs but not enough to comfortably afford market-rate housing. These folks often end up renting longer than they planned or looking at homes that need significant work.

That's where HOMESELL USA comes in for some families. We've helped High Point residents who inherited properties they couldn't afford to maintain, or who needed to sell quickly to avoid foreclosure and preserve their credit for future home buying.

What This Means for Current Homeowners

If you own a home in High Point right now, you're sitting on an appreciating asset. Even homes that need work are selling faster than they have in years. I've seen properties that would have sat on the market for months in 2020 getting multiple offers in 2026.

But here's what you need to think about: if you're planning to sell and buy something else in High Point, you're trading in the same market. Your home might be worth more, but so is everything else you'd want to buy.

For homeowners dealing with problem properties — maybe you've got an older home with foundation issues, or you're behind on taxes, or you're going through a divorce — this strong market means you have options. Properties that might have been hard to sell in a slower market are moving now.

The Investment Angle

High Point is attracting real estate investors, particularly those looking for rental properties. The combination of population growth, employment stability from the furniture industry and healthcare sector, and relatively affordable property prices compared to other North Carolina markets makes it attractive.

This investor activity is contributing to the competitive buying environment, but it's also providing more options for sellers who need to close quickly or sell properties in as-is condition.

Looking Ahead: What to Expect

I've been in this business long enough to know that markets go in cycles, but High Point seems to be in a sustained growth phase. The city's strategic location, economic diversification beyond just furniture manufacturing, and ongoing infrastructure improvements suggest continued housing demand.

However, affordability will likely remain a challenge unless incomes grow significantly or mortgage rates come down substantially. The city and county are exploring various housing initiatives, including workforce housing programs, but these take time to impact the market meaningfully.

For homeowners considering their options, whether you're thinking about selling, buying, or dealing with a property situation that's keeping you up at night, the current market conditions create both opportunities and urgency. Properties are moving, prices are strong, but competition is real.

Whether you work with HOMESELL USA for a fast cash sale or choose the traditional route, the key is understanding your position in this market and making decisions based on your actual situation, not what you wish the market looked like.

If you're dealing with a property situation in High Point — maybe it's inherited, maybe it needs major repairs, maybe life circumstances have changed — give Uncle Charles a call. No pressure, no judgment, just straight answers about your options in today's market. We've helped hundreds of High Point homeowners navigate challenging situations, and we understand both the opportunities and the obstacles in this growing city.

Frequently Asked Questions

Frequently Asked Questions

What is the average home price in High Point, NC in 2026?

The average home price in High Point reached approximately $285,000 as of February 2026, representing an 8% increase from the previous year. This is still more affordable than Charlotte or Raleigh markets but represents significant growth for the area.

Is High Point, NC a good place to buy investment property?

High Point offers attractive investment opportunities due to steady population growth, economic diversification beyond furniture manufacturing, and relatively affordable property prices compared to other NC markets. The rental market is strong due to affordability challenges for potential buyers.

How do current mortgage rates affect home buying in High Point?

With mortgage rates around 6.8-7.2% in early 2026, many potential buyers are finding it challenging to qualify for loans. Combined with rising home prices, this has created affordability issues for families earning the median household income of around $52,000.

What areas of High Point are seeing the most new construction?

New residential construction is concentrated in Southwest High Point and along the US-311 corridor, where developers can access larger land parcels. Most new homes are priced between $250,000-$400,000, targeting first-time buyers and young families.

Should I sell my High Point home now or wait?

Current market conditions favor sellers with strong demand, low inventory, and appreciating prices. However, if you plan to buy another home in High Point, remember you'll be competing in the same market. Consider your specific situation, timeline, and whether you're moving within the area or relocating.