Denver, North Carolina.
Typical home $554,766 (-0.6% in a year), asking rent $1,956 (+3.3%). Charlotte-Concord-Gastonia, NC-SC metro.
to buy the typical home at today's mortgage rate — +$1,579 (+118%) since Jan 2020.
- 1 year
- Down $3,346 -1%
- $558,112$554,766 since Sep 2025
- 5 years
- Up $101,341 +22%
- $453,425$554,766 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Denver$2,912
- North Carolina$1,743
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Denver, NC fell 0.6% over the past year — slower than the nation's +1.2%.
Asking rents in Denver, NC rose 3.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in Denver runs $1,817/mo more than renting one. The gap peaked at $2,031 in Oct 2023.
That is $3,773 a month against $1,956 rent: a $2,912 mortgage payment, plus $267 property tax and $594 insurance & upkeep.
Owning vs renting — Denver
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,773
- Renting$1,956
- Mortgage only$2,912
Property tax · $267/mo 0.58% of value a year — the ACS 2020-2024 median bill over the median home value for Lincoln County, NC
Insurance & upkeep · $594/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Denver, Lincoln County, North Carolina
Denver, in Lincoln County, had 2,697 people in the 2020 census. Half its households earn more than $65,721 a year and half less, against $80,016 across Lincoln County; 6% of its people live below the poverty line. Unemployment in Lincoln County was 3.3% in August 2026, and the county had 2.5% more jobs in 2025 than the year before. The most people in Lincoln County work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Denver is a small community in Lincoln County, North Carolina, with homes that cost a good deal more than most places and rents to match. Household incomes in town run below the county's, and only a small share of residents live below the poverty line. Winters are cool, with January the coldest month and highs a little above freezing, while summers are hot, with July the warmest. Rain and melted snow add up to a fairly wet year.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops and professional and business services close behind. In town, the larger workplaces include Husky Rack and Wire, a maker of prefabricated partitions, CP&P, a precast concrete business, and Wexford House, an assisted-living facility. Unemployment across Lincoln County is a little lower than a year ago, and the county has added jobs over the past year. The typical commute is a fairly long one, with many residents driving out of town to work.
Things to do. Lake Norman, a large reservoir, is a short drive away and is the nearest spot for time on the water. Farther off, a longer drive away, are Lake Norman State Park and Crowders Mountain State Park, both protected areas for walking and being outdoors. Charlotte Motor Speedway, a race track, is also a longer drive away.
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- 1,122households
- 6%below the poverty line
- 29 mintypical commute
What people in Lincoln County work in
Employed residents by industry, from the Census survey. Lincoln County had 28,818 jobs in 2025, 2.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 50° and lows near 31°; warmest in July, with highs near 89° and lows near 69°. About 47 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Catawba Southwest weather station, 9 miles away (NOAA).
Largest workplaces in Denver
- Cardinal Civil Contracting CharlotteUtility line, construction200
- Husky Rack and WirePartitions for floor attachment, prefabricated, manufacturing137
- DenverMail and parcel delivery35
- Wexford HouseAssisted-living facilities without on-site nursing care facilities35
- CP&P, A CMC Precast BusinessPrecast concrete products manufacturing30
- AVI FoodsystemsVending machine operators24
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 461 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Ice stormsRelatively high
- LightningRelatively high
- Inland floodingRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Denver’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Lincoln County and the Charlotte-Concord-Gastonia, NC-SC metro.
Denver home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Denver$554,766
- North Carolina$332,159
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Denver listings, and the typical home goes pending in 23 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Denver29.18%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Denver277
New listings per month
Sellers arriving at the market.
- Denver56
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Denver$566,286
- United States$371,407
Zip codes with a Denver address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Denver — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.