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Housing in Swain County
Both Census and HUD figures represent gross rent — contract rent plus estimated utility costs for electricity, heat, water, and sewer.
Rent in Swain County averages $742/month for a 2‑bedroom in 2024, compared to the North Carolina median of $1,228 and the national median of $1,413. Local renters spend approximately 23% of household income on rent, below the national average of 32%.
HUD 2026 50th Percentile Rent Estimates for Swain County FMR Area are $806 for a studio, $813 for 1‑bedroom, $925 for 2‑bedroom, $1,264 for 3‑bedroom, and $1,390 for 4‑bedroom.
HUD 2026 Rent Estimates reflect market movement since 2024 Census data — a $183 increase for a 2-bedroom in Swain County shows a 25% rise over that period.
The U.S. Bureau of Labor Statistics annual unemployment rate for Swain County was 3.5% in 2024, compared to North Carolina at 3.6% and the national rate of 4.0%.
