Caldwell County, NC at a glance
Median household income
$56,425$4,702 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Caldwell County, NC?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Caldwell County, NC? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Hickory-Lenoir-Morganton, NC MSA, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $858 | $10,296 | $34,320 | 18.2% |
| 1-Bedroom Apartment | $908 | $10,896 | $36,320 | 19.3% |
| 2-Bedroom ApartmentBenchmark | $1,095 | $13,140 | $43,800 | 23.3% |
| 3-Bedroom Home | $1,372 | $16,464 | $54,880 | 29.2% |
| 4-Bedroom Home | $1,660 | $19,920 | $66,400 | 35.3% |
Rent in Caldwell County, NC, with the wage each unit needs →
What a typical income covers in Caldwell County, NC
The 50/30/20 rule applied to the local median of $56,425 a year ($4,702 a month before tax).
What $56,425 leaves after North Carolina taxes
Federal income tax, Social Security, Medicare and North Carolina tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in North Carolina
Living in Caldwell County, NC: common questions
What is the median household income in Caldwell County, NC?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Caldwell County, NC is $56,425 per year (approximately $4,702 per month).
What is the average rent in Caldwell County, NC?
The closest official figure is HUD's Fair Market Rent for 2026: $858 for a studio, $908 for one bedroom, $1,095 for two, $1,372 for three and $1,660 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Caldwell County, NC expensive to live in?
Prices there run 11.5% below the U.S. average. BEA's regional price parity for the metro area is 88.5, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Caldwell County, NC?
To keep a $1,095 two-bedroom under 30% of gross income, a household needs about $43,800 a year, or $3,650 a month. That is 78% of what the typical household in Caldwell County, NC earns.
How much do you need to live comfortably in Caldwell County, NC?
On the local median income of $56,425 ($4,702 a month before tax), the 50/30/20 rule leaves $2,351 a month for needs like rent, utilities and groceries, $1,411 for everything else and $940 for savings or debt. A two-bedroom at $1,095 takes 47% of the needs share.
How much is the electric bill in Caldwell County, NC?
Homes in North Carolina paid 14.7¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $133. Your bill depends mostly on heating and cooling.