Cost of Living in Bertie County, North Carolina
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Bertie County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Bertie County ranks #2,492 of 3,144 counties for affordability (bottom 21%)
Data Story
About Cost of Living in Bertie County, North Carolina
Bertie struggles with affordability despite low rents
Bertie County's rent-to-income ratio of 21.5% significantly exceeds the national average of 18.6%, driven by the second-lowest median household income in this group at $45,931. Despite moderate rent at $824/month, limited earnings create substantial housing burden for local residents.
Bertie ranks among North Carolina's affordability challenges
At 21.5%, Bertie's rent-to-income ratio exceeds the state average of 18.6% by nearly 3 percentage points, placing it among the state's more strained counties. With median household income of just $45,931, Bertie residents face disproportionate housing cost burden.
Bertie's low home values mask income constraints
Bertie's $824 monthly rent is moderate, but its median home value of just $95,800—the lowest in this group—reflects limited local economic opportunity. While homeownership is theoretically affordable at $766/month, the underlying income challenge remains: $45,931 annual earnings against 21.5% housing cost burden.
Over a fifth of Bertie income goes to housing
Renters spend $824/month on a $45,931 annual income, allocating 21.5% to housing and leaving roughly $3,026 annually after rent for all other expenses. Homeowners at $766/month face similar strain, with limited surplus for savings or emergencies given the overall income floor.
Bertie demands stable, above-average income
Relocating to Bertie County requires securing employment well above the county median—a 21.5% rent-to-income ratio indicates most residents are stretched thin. If considering Bertie, evaluate neighboring Beaufort County (better income-to-housing ratio at 17.8%) or coastal alternatives with stronger economic opportunity.
Cost of Living Advisory: Bertie County
Affordability Verdict
Housing in Bertie County is affordable. The median rent is $824/month against a median household income of $45,931, putting rent at 21.5% of income.
Rent vs. Own
Renters in Bertie County pay $824/month on average, compared to $766/month for homeowners. This market favors buyers by about 7%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $32,960/year. For owner costs at the 28% rule, the required income is roughly $32,829/year. With a median household income of $45,931, most households can comfortably afford rent here. Notably, 28.0% of renter households in Bertie County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Bertie County sits 7% more expensive than Warren County ($771/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Bertie County
Rent Burden
21.5%
of gross income
Max Housing (28% Rule)
$1,072
per month
Owner Cost Burden
20.0%
of gross income
You can likely afford the median home in Bertie County
Median home value is $95,800. Estimated monthly cost: $765 vs. your max of $1,072.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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