Swain County, NC at a glance
Median household income
$52,349$4,362 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Swain 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 Swain County, NC? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Swain County, NC, 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 | $806 | $9,672 | $32,240 | 18.5% |
| 1-Bedroom Apartment | $813 | $9,756 | $32,520 | 18.6% |
| 2-Bedroom ApartmentBenchmark | $925 | $11,100 | $37,000 | 21.2% |
| 3-Bedroom Home | $1,264 | $15,168 | $50,560 | 29% |
| 4-Bedroom Home | $1,390 | $16,680 | $55,600 | 31.9% |
What a typical income covers in Swain County, NC
The 50/30/20 rule applied to the local median of $52,349 a year ($4,362 a month before tax).
What $52,349 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 Swain County, NC: common questions
What is the median household income in Swain County, NC?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Swain County, NC is $52,349 per year (approximately $4,362 per month).
What is the average rent in Swain County, NC?
The closest official figure is HUD's Fair Market Rent for 2026: $806 for a studio, $813 for one bedroom, $925 for two, $1,264 for three and $1,390 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 Swain 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 Swain 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 71% of what the typical household in Swain County, NC earns.
How much do you need to live comfortably in Swain County, NC?
On the local median income of $52,349 ($4,362 a month before tax), the 50/30/20 rule leaves $2,181 a month for needs like rent, utilities and groceries, $1,309 for everything else and $872 for savings or debt. A two-bedroom at $925 takes 42% of the needs share.
How much is the electric bill in Swain 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.