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Cherokee
North Carolina

29K

Population

$49K

Median Income

$271K

Median Home

R+55

Politics

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What stands out

Three things set Cherokee County apart from the other 3,142 counties: the overdose death rate is in the top 5% of American counties (43 per 100,000), rainfall is in the top 5% of American counties (57 inches a year), and home internet speed is in the bottom 9% of American counties (87 Mbps). Within North Carolina it ranks 9th of 100 counties for the overdose death rate.

Where you are

You live in Cherokee County, North Carolina. 28,868 people live here with you. The population grew 1.7% last year, and more Americans moved in than out (net +700).

North Carolina has a flat income tax that is being cut each year, 3.99% for 2026 after 4.25% in 2025, with 3.49% scheduled for 2027 if revenue triggers are met, and it does not tax Social Security. Property taxes are moderate and reassessments happen every four to eight years by county. The Research Triangle and Charlotte have driven a decade of in-migration; the mountains and the Outer Banks are second-home markets with hurricane and flood exposure on the coast.

Money

The typical household here brings in $49,254 a year, lower than 80% of American counties. Employers pay an average wage of $45,626. Unemployment runs 4.0%, higher than 70% of American counties. 9% of workers work from home.

North Carolina takes 4.0% of that median income in state income tax, about $1,965 a year.

Home

The median home costs $274K, pricier than 63% of American counties, about 3.2 years of the median household's income. A two-bedroom rents for around $741 a month. Property tax is 0.52% of home value, roughly $1,002 a year on that median home, lower than 86% of American counties. 81% of households own rather than rent.

Safety and health

Violent crime here is 3.6 per 1,000 residents, lower than 64% of American counties. Drug overdoses killed 43 people per 100,000 in 2024, one of the harder-hit counties in the country.

A child born here can expect to live 74.5 years, shorter than 65% of American counties. There are 27 active physicians in the county, about 9.4 per 10,000 people. Medicare rates the local hospitals 4.0 of 5 stars. 10.6% of people under 65 have no health insurance.

School

Local students test at grade level 3.13 where 3.0 is national grade level, higher than 67% of American counties. 91% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 55 points, among the most lopsided counties in the country. 70% of eligible voters turned out. Under North Carolina law you can get a concealed-carry permit on request, abortion is legal with limits, and marijuana is illegal.

Weather and risk

The year averages 57°F, highs near 69 and lows near 44, warmer than 54% of American counties. About 57 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 36 out of 100, safer than 63% of American counties; the county has had 16 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 87 Mbps down, slower than 91% of American counties. There is 1 airport in the county, counting general aviation. For a night or a weekend out: 0.9 full-service restaurants per 1,000 people, 3 breweries.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$49K
This county
national avg ~$75K
Poverty Rate15.1%
This county
national avg ~11.5%
Unemployment Rate4.0%
This county
national avg ~3.8%
GDP per Capita$36,890
Federal Spending per Capita$1,381
Median Individual Earnings$35K
This county
national avg $45K
Professional/Management Workers29.6%
Average Adjusted Gross Income$56K
Avg Credit Score665
Work From Home %8.5%
This county
national avg 17.0%
Population Under 1816.1%
This county
national avg 22.0%
Single-Person Households30.3%
This county
national avg 28.0%
Banks & Finance Firms14
Income (20th Percentile)$23K
Income (80th Percentile)$96K
Income (95th Percentile)$154K
Bachelor's Degree or Higher23.6%
This county
national avg 34.3%
Less Than High School8.8%
This county
national avg 11.0%
Knowledge Economy GDP %10.5%
Dependency Ratio0.88
Medicare Spending / Person$4,300
SS Benefits / Person$6,581
Education Wage Premium1.89x
Median Earnings (Bachelor's)$58K
Median Earnings (Graduate)$61K
Median Earnings (HS Diploma)$33K
Public Assistance Recipients0.8%
Average Annual Wage$46K
Professional Services Concentration0.55x national
This county
1.0 = national average share
Federal Government Jobs Located Here125
Federal Share of Jobs Located Here1.6%
Residents Who Work for the Federal Government1.5%
Federal Civilian Share of Earnings2.8%
Federal Contract Dollars Performed Here (FY2025)$3M
Contract Dollars Relative to Local Wages0.01x wages
Largest Award's Share of Contract Dollars65%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$271K
This county
$335K state avg
$303K national
Median Sale Price$263K
This county
$303K national
Market Rent (ZORI)$1842/mo
This county
$1450/mo state avg
$1400/mo national
Property Tax Rate0.52%
This county
0.70% state avg
1.10% national

Annual tax on median home: $1,002

Affordability & Supply

HUD Fair Market Rent (2BR)$935/mo
Home Price Change (1 yr)+10.7%++8.8% since 2024
Home Value to Income Ratio3.2x income
Severely Cost-Burdened Households8.8%
Homeownership Rate81.3%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Sale-to-List Ratio— Buyers market — homes selling below list
95.8%
Listings with Price Cuts— Low — market moving fast
19.5%
Sold Above List Price
16.0%
Median Days to Close
34 days
Active Listings
349
New Listings / Month
78

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
41 days
Months of Supply (Redfin)— Balanced market
5.7 mo
Sold Above List (Redfin)
15.5%

Sale-to-List Cross-Reference

Zillow 95.8%  ·  Redfin 96.5%

Source: Redfin · Updated monthly

Health

Life Expectancy74.5 yrs
This county
national avg ~78.5 years
Hospital Rating4.0 / 5
This county
national avg 3.0 stars
Food Insecurity14.7%
This county
national avg ~11%
Food Environment Index7.4 / 10
This county
higher = better access
Primary Care Shortage Score18
This county
national avg 5
Mental Health Shortage Score16
Dental Care Shortage Score19
Healthcare Shortage Score17.7
Healthcare Offices52
Obesity Rate (BRFSS)34.8%
This county
national avg 32.0%
Smoking Rate (BRFSS)16.6%
This county
national avg 14.0%
Poor Health Rate (BRFSS)19.0%
This county
national avg 18.0%
Physical Inactivity (BRFSS)23.9%
This county
national avg 24.0%
High Blood Pressure (BRFSS)33.3%
This county
national avg 32.0%
Active Physicians27
Nursing Home Rating3.0 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients551 / 1,000
Medicare Cost per Beneficiary$9,944
Uninsured (under 65)10.6%
This county
national avg ~10%
Adults with Depression28.5%

Education

Math Test Scores3.12 grade level
Reading Test Scores3.14 grade level
HS Diploma Holders6,236
Bachelor's Degree Holders3,511
HS Completion Rate91.2%
This county
national avg ~85%
Private Schools4

Safety

Violent Crime Rate3.6 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate20.2 / 100K
This county
national avg ~13.6/100K
Drug Overdose Rate46.1 / 100K
This county
national avg ~21/100K
Traffic Fatalities5
Social Vulnerability (CDC SVI)37th pct
Drug Overdose Deaths (2024)43.4 / 100K
Suicide Rate22.3 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale3.0
January Sunshine0.59
January Temperature0.35
Average Temp57°F+0.4% since 2022
Avg High Temp69°F-0.1% since 2022
Avg Low Temp44°F+1.1% since 2022
Annual Precipitation57.1 in/yr+2.3% since 2022
Avg Storm Events4.2 storms/yr
Avg Annual Storm Damage$200K
Drought Index (2022)-0.44
Heating Degree Days4,044 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days955 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)4,249 HDD/yr
Cooling Degree Days (1901–2000 Baseline)907 CDD/yr
Avg Tornadoes / Year0.0
Avg Flood Events / Year1.0
Avg Hail Events / Year0.2
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.2
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)36 / 100
Community Resilience (FEMA)11 / 100
Federal Disaster Declarations16 since 1953
Fine Particulate Pollution (PM2.5)6.1 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)10 properties
FAA-Registered Airports3 total
Airports (excl. heliports)1 airports

Brewery Scene

Total Breweries3 breweries
Microbreweries1 microbreweries
Brewpubs2 brewpubs

Internet & Remote Work

Download Speed87 Mbps
This county
national avg ~120 Mbps
Upload Speed27 Mbps
Fixed Internet (Q1 2026)156 Mbps
Mobile Internet (Q1 2026)211 Mbps
Mobile Upload (Q1 2026)33 Mbps
Mobile Latency (Q1 2026)45 ms
Households with 100Mbps+40.0%
This county
national avg 75.0%
Cellular-Only Internet9.2%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)98 Mbps

EV Infrastructure

EV Charging Stations3 stations
DC Fast Chargers2 chargers
Level 2 EV Chargers24

Commute & Transit

Remote Workers939 workers
Public Transit Commuters39 workers
Walk to Work (workers)212 workers
Extreme Commutes (90+ min)541 workers
Walk to Work1.9%

Families & Childcare

Childcare Cost Burden25.5%
This county
national median ~27% of household income
Childcare Centers13.3 per 10K residents
Childcare Facilities6

Civic & Community

Voter Turnout70.2%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.187
Nonprofit Organizations137
Veterans Share12.8%
This county
national avg 7.0%
Married Adults58.1%
Never-Married Adults20.2%
Divorced Adults13.1%
Religious Organizations30
Asian Population0.5%
Native American Population1.6%
Membership Associations9.3 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.89 per 1K residents
Colleges & Universities1
Nursing & Care Facilities5
Grocery Stores8
Hotels & Lodging17
Professional Services Firms45
Veterinary Practices6
Real Estate Firms33
Debt Burden
Avg Mortgage Balance$59K
Avg Student Loan Balance$6K
Avg Credit Card Balance$3K
Loan Delinquency Rate47.6%
This county
national avg 4.0%

Innovation

Inventor Rate0.07%

Politics

R+55

2024 Presidential · North Carolina was R+3 statewide

vs North Carolina State

Income tax
4.5%Same (state law)
Property tax
0.52%0.7% state avg
Politics
R+55R+3
COL Index
94state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +700

More people arriving than leaving

IRS Wealth Migration

Wealthier people moving in (IRS: 1.25x avg income)

Economic Mobility

39%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Cherokee County

Median home value: $274K

View on Zillow →View on Realtor.com →

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Full North Carolina profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable