North Carolina · Census, HUD and BEA figures · Updated

Cost of Living in Hertford County, NC

Prices around Hertford County, NC run 5.7% below the U.S. average (BEA, North Carolina). The typical household there earns $45,537 a year, and HUD puts a two-bedroom at $925 a month. Keeping that rent under 30% of income takes about $37,000 a year.

Hertford County, NC at a glance

Median household income

$45,537$3,795 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$925HUD FY2026 Fair Market Rent
Price level (U.S. = 100)94.3-5.7% · BEA, North Carolina
Electricity14.7¢per kWh · EIA Residential NC
Population19,908Census ACS 5-year estimate

How much rent can you afford in Hertford County, NC?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$925Monthly market rent
Share of gross income24.4%Recommended max: 30%
Annual income needed$37,000To meet the 30% standard
Max affordable rent$1,138At 30% of $45,537
0%30% (Affordability standard)100%
Compare against:

How much is rent in Hertford County, NC? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Hertford County, NC, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Hertford County, NC, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$638$7,656$25,52016.8%
1-Bedroom Apartment$705$8,460$28,20018.6%
2-Bedroom ApartmentBenchmark$925$11,100$37,00024.4%
3-Bedroom Home$1,210$14,520$48,40031.9%
4-Bedroom Home$1,225$14,700$49,00032.3%

Rent in Hertford County, NC, with the wage each unit needs →

What a typical income covers in Hertford County, NC

The 50/30/20 rule applied to the local median of $45,537 a year ($3,795 a month before tax).

Needs (50%)$1,897/moRent ($925 2-BR), utilities (~$133/mo), groceries, transit
Wants (30%)$1,138/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$759/moEmergency fund, retirement, paying down loans

What $45,537 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.

$45,537
$15,000$95,000
Filing status:
Gross salary breakdown$45,537
Net 82%
Fed 7%
NC 3%
FICA 8%
Annual take-home$37,461After all taxes
Monthly deposit$3,122Estimated per month
Biweekly paycheck$1,441Every 2 weeks (26/yr)
Effective tax rate17.7%Total tax burden
Federal income tax$3,284 / yr
North Carolina state income tax$1,308 / yr
FICA (Social Security & Medicare)$3,484 / yr

Living in Hertford County, NC: common questions

What is the median household income in Hertford County, NC?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Hertford County, NC is $45,537 per year (approximately $3,795 per month).

What is the average rent in Hertford County, NC?

The closest official figure is HUD's Fair Market Rent for 2026: $638 for a studio, $705 for one bedroom, $925 for two, $1,210 for three and $1,225 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 Hertford County, NC expensive to live in?

Prices there run 5.7% below the U.S. average. BEA's regional price parity for North Carolina is 94.3, 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 Hertford County, NC?

To keep a $925 two-bedroom under 30% of gross income, a household needs about $37,000 a year, or $3,083 a month. That is 81% of what the typical household in Hertford County, NC earns.

How much do you need to live comfortably in Hertford County, NC?

On the local median income of $45,537 ($3,795 a month before tax), the 50/30/20 rule leaves $1,897 a month for needs like rent, utilities and groceries, $1,138 for everything else and $759 for savings or debt. A two-bedroom at $925 takes 49% of the needs share.

How much is the electric bill in Hertford 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.