Counties / North Carolina / Moore County

Moore County, NC

FIPS 37125 · population 104,876 · part of Pinehurst, NC

$420k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$420k
▲ 0.9% year over year
Zillow ZHVI · direct
Median asking rent
$1,934
▲ 0.8% year over year
Zillow ZORI · direct
Gross yield
5.5%
annual rent ÷ price, before costs
derived: rent × 12 ÷ price ✓
HUD 2-bed standard
$1,358
market rent is 1.42x the standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

Both annual signals move in the same direction
FHFA five-year cumulative+67.3%not annualized · through 2025
0%ZILLOW ZHVI2026-06+0.9%FHFA HPI2025+1.8%
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$351k
Surveyed gross rent$1,254
Rent burden 30%+48.8%
Median year built1994
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
12.5%vacant
50,280estimated housing units
Occupied tenure23.6% renter
owner 76.4%renter 23.6%
Structure mix77.0% single-family
Single-family 77.0%20+ units 2.9%Mobile home 10.9%Other 9.2%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs42,740▲ 6.5% from the prior annual release
Covered establishments3,606annual average reporting locations
Average weekly wage$1,087▲ 4.5% from the prior annual release
Largest private supersectorEducation and health services29.4% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS+6.5%WEEKLY WAGE+4.5%Education and health services29.4%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Moore County is a carry-income-versus-exit-liquidity case: the supplied gross yield is 5.53%, while the current MLS evidence shows a softer resale setting. Income-focused buyers should investigate durable rent and flood exposure at the property level; buyers relying on a quick resale should be cautious. Zillow’s 2026-06 median home value was $419,697. FHFA’s annual 2025 repeat-transaction HPI rose 1.84%. Different methods and periods support only a shared positive direction, not a single appreciation rate.

02Housing economics

Zillow’s measured median asking rent is $1,934 per month, which underlies the supplied gross yield before costs. It is market rent, whereas HUD’s $1,358 two-bedroom FMR is a payment standard rather than an asking-rent estimate. The 0.53% effective property-tax rate and $1,849 median annual tax identify a carrying-cost input, but insurance, maintenance, management, vacancy and assessment detail are not published; net yield therefore cannot be calculated. FHFA’s 67.34% five-year HPI change is cumulative index appreciation, not a home value or annualized return.

03Demand & competition

Realtor.com’s MLS listing evidence describes marketability rather than transactions: active listings rose 23.03% year over year and median days on market reached 71, alongside a recorded share of price-reduced listings, a seller-concession measure. These are asking-price, visible-supply and marketing-time measures, not closed-sale pricing or proof of buyer demand. QCEW annual covered employment at county workplaces increased, with Education and health services the largest disclosed private supersector; it does not measure resident employment or unemployment. Positive net tax-return migration and higher average AGI among in-movers add a demand screen, but do not establish tenant absorption.

04Risk & next checks

Risk limits are material. Modeled annual climate loss equals 0.11% of building value, consistent with inland flood as the named dominant hazard, but it is a county-level model rather than a parcel flood determination. Investors made 117 of 1,835 purchases, or 6.38%, so non-owner competition is present but not the whole purchase market. The thesis could fail if property-specific flood insurance or mitigation costs overwhelm gross income, if listing slack persists, or if asking rents cannot be achieved. Next checks are lease comps, flood maps and insurance quotes, operating statements, assessed value, and closed-sale/pending detail.

Cities & communities

Where people live within Moore County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Pinehurst village18.3KSouthern Pines town16.4KAberdeen town9.2KWhispering Pines village5.2KSeven Lakes CDP4.5KCarthage town2.9KFoxfire village1.9KRobbins town1.9K
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

14 Census places

Population
  1. 01
    Pinehurst villageIncorporated place
    18,256
  2. 02
    Southern Pines townIncorporated place
    16,420
  3. 03
    Aberdeen townIncorporated place
    9,228
  4. 04
    Whispering Pines villageIncorporated place
    5,211
  5. 05
    Seven Lakes CDPCensus-designated place
    4,535
  6. 06
    Carthage townIncorporated place
    2,896
  7. 07
    Foxfire villageIncorporated place
    1,925
  8. 08
    Robbins townIncorporated place
    1,893
  9. 09
    Pinebluff townIncorporated place
    1,806
  10. 10
    Vass townIncorporated place
    1,644
  11. 11
    Candor townIncorporated place · spans 2 counties
    1,160
  12. 12
    Taylortown townIncorporated place
    764
Show 2 more places
  1. 13
    Cameron townIncorporated place
    364
  2. 14
    Jackson Springs CDPCensus-designated place
    250

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.110% of building value expected lost per year

Effective property tax0.53%

$1,849 median annual bill

02
DemandIRS SOI household flows
Net migration+483

3,634 in · 3,151 out

Arriving vs leaving income+$12,547

$93,113 arriving · $80,566 leaving

03
CompetitionHMDA financed purchases
Purchases by investors6.4%

117 of 1,835 mortgages

investorother financed
Current listing pressure

What sellers and visible supply are doing

Realtor.com® Economic Research · county inventory 2026-06 · pulled 2026-07-28
Active listings767▲ 23.0% year over year
Median days on market71▲ 18.3% year over year
Listings price-reduced19.5%seller-concession signal
Median listing pricen/a▼ 1.0% year over year

Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.

Bear case

What can break the county thesis

  1. Parcel-specific flood insurance, mitigation, or insurability costs may exceed underwriting assumptions.
  2. MLS supply and extended marketing time may keep exits slow or require seller concessions.
  3. Achievable rents and operating expenses are unverified, so gross yield may not translate into net income.
Underwriting questions

Before pricing a property

What is the measured market rent versus the HUD payment standard?

Median asking rent is $1,934 per month, while the two-bedroom HUD FMR is $1,358 per month and is a payment standard rather than market rent.

What does the listing market indicate about resale conditions?

Active MLS listings increased 23.03% year over year and median days on market was 71; these are visible-supply and marketing-time measures, not sale results.

How large is investor participation in purchases?

Investors made 117 of 1,835 purchases, representing a 6.38% investor share.