- Median rent
- $1,338/mo
- Median home
- $333,000
- Price-to-rent
- 20.7×
- Modeled ownership
- $2,308/mo
- Monthly gap
- $970/mo
- Break-even (model)
- 22 yrs
- Signal
- Rent leans ahead
North Carolina vs Texas Rent vs Buy
Texas has the lower price-to-rent ratio (17.7× vs 20.7×).
By Sammy S. · Founder · AuthorUpdated for 2026
Lower price-to-rent ratio
Texas
Texas has the lower price-to-rent ratio (17.7× vs 20.7×).
Ratio gap: 3.0×
Rent vs buy scoreboard
- Median rent
- $1,475/mo
- Median home
- $313,200
- Price-to-rent
- 17.7×
- Modeled ownership
- $2,436/mo
- Monthly gap
- $961/mo
- Break-even (model)
- 21 yrs
- Signal
- Rent leans ahead
What North Carolina vs Texas means for renters and buyers
Rent benchmark
ACS median gross rent is $1,338/mo in North Carolina and $1,475/mo in Texas. Monthly rent gap difference: $8/mo on modeled ownership minus rent.
Buy benchmark
Ownership model uses 6.66% financing, 1% maintenance, and 5% opportunity return on cash-to-close at each state's ACS median home value.
Related tools
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Compare a different pair
Compare any two states
Price-to-rent ratios, median rent, modeled ownership, and break-even context.
Related comparisons
North Carolina vs Texas FAQs
Texas is higher ($1,475/mo vs $1,338/mo).
North Carolina is higher (20.7× vs 17.7×). Higher ratios often lean toward renting on this metric.
Texas is lower (17.7× vs 20.7×).
North Carolina: ~22 years. Texas: ~21 years under the same appreciation, rent-growth, and opportunity-return assumptions.
North Carolina shows the larger buy-over-rent monthly gap ($970/mo vs $961/mo) before equity.
Texas shows the smaller gap ($961/mo vs $970/mo).
North Carolina $333,000 vs Texas $313,200 (ACS median owner-occupied).
No. Both use the same Freddie Mac PMMS 6.66% 30-year fixed assumption (as of 2026-07-30) so the comparison isolates home prices, rents, property tax, and insurance.
Neither does — HOA defaults to $0 in both columns. Local dues can flip a close comparison.
Use this duel for housing-structure context, then compare wages, income taxes, insurance risk, and how long you will stay before deciding.
By Sammy S. · Founder · AuthorUpdated for 2026