The Durham County Tax Reality
Durham County's property tax rate (~1.04%) is about 15% higher than Wake County (~0.90%). On a $450K home, that's $4,680/year in Durham vs $4,050/year in Wake — a difference of $630/year ($52/month). Not a dealbreaker, but worth knowing before you compare monthly costs between communities in different counties.
Monthly Cost at Three Price Points
$350K Home
Total Fixed / Month
$713
HOA Fee
$285/mo
Lawn + amenities
Property Tax
~$303/mo
Durham Co. 1.04%
Homeowners Ins.
~$125/mo
Est. annual / 12
CDD Fee
$0
No CDD in Durham
$450K Home
Total Fixed / Month
$813
HOA Fee
$285/mo
Lawn + amenities
Property Tax
~$390/mo
Durham Co. 1.04%
Homeowners Ins.
~$138/mo
Est. annual / 12
CDD Fee
$0
No CDD in Durham
$550K Home
Total Fixed / Month
$920
HOA Fee
$285/mo
Lawn + amenities
Property Tax
~$477/mo
Durham Co. 1.04%
Homeowners Ins.
~$158/mo
Est. annual / 12
CDD Fee
$0
No CDD in Durham
Fixed ownership costs only — add your mortgage P+I if applicable. Insurance estimates vary; get a quote from a licensed NC insurer.
Carolina Arbors vs Triangle Alternatives — Cost Comparison
Carolina Arbors ($450K, Durham Co.)
HOA $285 + tax $390 + ins $138
Carolina Preserve ($500K, Wake Co.)
HOA $265 + tax $375 + ins $142
Carolina Gardens ($450K, Wake Co.)
HOA $233 + tax $338 + ins $138
Del Webb Traditions ($600K, Wake Co.)
HOA $310 + tax $450 + ins $158
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