States › North Carolina › Lincolnton

Is Lincolnton, NC expensive to live in?

ExpensiveRent takes 32 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,31725% lower than U.S. average
💵 Families earn per year (2026)$49,956about $4,163/month · 43% lower than U.S. average
🔑 House price$248,70025% lower than U.S. average

Rent is lower than in 68% of U.S. cities. A typical house costs about 5.0 years of household income.

How much money do I need?

To rent here comfortably, you should earn about $52,680 a year. That is $25 an hour at a full-time job.

Is rent cheaper than other North Carolina cities?

Yes. Rent here is cheaper than in most of North Carolina. It is number 65 of 164 cities from cheapest to most expensive.

Lincolnton
$1,317
Spring Lake
$1,673
Kings Mountain
$1,184
Archdale
$1,659
Smithfield
$692
Spout Springs
$2,366
Summerfield
$1,600

How much do households earn in Lincolnton?

Under $25k
24.1%
$25k–50k
33.0%
$50k–100k
23.4%
$100k–150k
11.4%
$150k+
4.5%

Share of households by yearly income. 15.9% of households earn $100,000 or more.

Rent by apartment size in Lincolnton

SizeLincolntonU.S. average
Studio$969$1,338
1 bedroom$965$1,324
2 bedrooms$967$1,509
3 bedrooms$1,583$1,698

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Lincolnton overall?

Everyday prices in North Carolina overall are 6% below the U.S. average (index 94.3, U.S. = 100).

Housing
81
Goods (food, clothes…)
97
Utilities
89
Other services
98
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Lincolnton, so the North Carolina figure is shown.

Taxes and bills in Lincolnton

🏛️ Property tax$1,970a year · 0.79% of home value · U.S. $3,119
⚡ Electric bill$143a month (typical) · U.S. $156

Life in Lincolnton

Commute to work25 minU.S.: 26.4 min
College degree24%U.S.: 35.7%
Own their home46.2%U.S.: 65.2%
Below poverty line22.7%U.S.: 12.5%
Unemployment3.8%U.S.: 5.2%

Is it cheaper to rent or buy in Lincolnton?

Renting is cheaper right now: about $409 a month less.

Renting
$1,317
Owning
$1,726

Owning assumes a typical $248,700 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $24,870 for the down payment.

Frequently asked questions

What is the average rent in Lincolnton, NC?

Renting in Lincolnton costs a median of about $1,317 a month in 2026, including utilities. The North Carolina median is $1,496.

How much do I need to make to live in Lincolnton?

To keep rent under 30% of income, you need about $52,680 a year, or $25 an hour at a full-time job.

Is Lincolnton cheap or expensive?

Lincolnton is rated Expensive: rent takes 31.6% of the typical household income of $49,956. It ranks 65th cheapest of 164 North Carolina cities we track.

How much are property taxes in Lincolnton?

The median homeowner in Lincolnton pays $1,970 a year in property taxes, about 0.79% of the median home value.

Is Lincolnton more expensive than the national average?

Overall prices in North Carolina are 6% below the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Lincolnton?

The median home value in Lincolnton is $248,700, about 5.0 times the typical yearly household income.

11,783 people live in Lincolnton. Numbers are typical (middle) values.