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Stephens Plantation — True Monthly Cost

HOA + Johnston County property tax + insurance + utilities. Real numbers for your budget.

All-In Monthly Cost

All-in monthly cost — $400K Stephens Plantation home

HOA fee$195/mo
Johnston Co. property tax (~0.75%)~$250/mo
Homeowners insurance~$100–$130/mo
Utilities~$180–$230/mo
Total monthly carrying cost (excl. mortgage)~$725–$805/mo
Johnston County property tax contextJohnston County's ~0.75% tax rate is the lowest in the Triangle. On a $400K home that's ~$250/month vs ~$289/month in Wake County — a $39/month gap ($468/year). Stephens Plantation is the most affordable large 55+ community in the east Triangle corridor.

NC residents 65+ who meet income limits can file the AV-9 elderly exclusion with Johnston County Tax Administration to reduce their taxable assessed value and lower annual property tax by $300–$800.

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