--- title: "Chapel Hill, NC Home Prices 2026 + Buyer Programs — Ownify" description: "Chapel Hill, NC median home price, monthly payment, and a first-time buyer path with 2% down — including NC down-payment programs." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "@id": "https://ownify.com/#organization", "name": "Ownify", "alternateName": "Ownify Homeownership", "url": "https://ownify.com/", "logo": "https://ownify.com/favicon.png", "description": "Ownify is a fractional homeownership platform that helps first-time homebuyers buy a real home with as little as 2% down by partnering with long-term capital investors. 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With Ownify, you can move in with $13,000 (2% down)." } }, { "@type": "Question", "name": "What down-payment assistance is available in Chapel Hill?", "acceptedAnswer": { "@type": "Answer", "text": "NC Home Advantage Mortgage, Orange County DPA. See every Chapel Hill DPA program." } }, { "@type": "Question", "name": "What's the monthly payment on a median-priced home in Chapel Hill?", "acceptedAnswer": { "@type": "Answer", "text": "About $3,900/mo with a 20% down conventional mortgage at current rates. With Ownify it's typically $2,725/mo." } }, { "@type": "Question", "name": "Is Ownify available in Chapel Hill?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Ownify operates throughout North Carolina, including Chapel Hill. Check if you qualify." } } ] }, { "@type": "Organization", "@id": "https://ownify.com/#org", "name": "Ownify", "url": "https://ownify.com/", "areaServed": [ { "@type": "State", "name": "Colorado" }, { "@type": "State", "name": "North Carolina" }, { "@type": "State", "name": "Tennessee" } ] } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://ownify.com/" }, { "@type": "ListItem", "position": 2, "name": "Market Reports", "item": "https://ownify.com/markets" }, { "@type": "ListItem", "position": 3, "name": "Chapel Hill, NC", "item": "https://ownify.com/markets/north-carolina/chapel-hill" } ] }, { "@context": "https://schema.org", "@type": "RealEstateAgent", "name": "Ownify in Chapel Hill", "url": "https://ownify.com/markets/north-carolina/chapel-hill", "parentOrganization": { "@id": "https://ownify.com/#organization" }, "areaServed": [ { "@type": "City", "name": "Chapel Hill" } ], "address": { "@type": "PostalAddress", "addressRegion": "US-NC", "addressCountry": "US" } } ] --- We use essential cookies to make our site work. 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You can change your cookie settings at any time by clicking “Preferences .” Accept [![Ownify](/assets/ownify-logo-color-B9tRH5I9.png)](/) [Homebuyers](/homebuyers) [Investors](/investors) [Agents](/agents) [Markets](/markets) [Research](/research/ownify-university) [Blog](/blog) [About](/about) [Sign in](https://app.ownify.com/auth/magic/request?__hstc=53035703.0b517f2e7b5d99253da776280c824e26.1787187825012.1787187825012.1787187825012.1&__hssc=53035703.1.1787187825012&__hsfp=459a5155cbd50c6758f41a978f891916)[Get started](https://app.ownify.com/applications/new?__hstc=53035703.0b517f2e7b5d99253da776280c824e26.1787187825012.1787187825012.1787187825012.1&__hssc=53035703.1.1787187825012&__hsfp=459a5155cbd50c6758f41a978f891916) ![Residential neighborhood in Chapel Hill](/assets/chapel-hill-hero-BTa4U3bV.jpg) North Carolina · Chapel Hill # Chapel Hill Isn't Supposed to Be a First-Time Buyer Market. Here's Where It Is. [Back to North Carolina](/markets/north-carolina) The median home price in **Chapel Hill, NC** is roughly **$650,000** (as of Q1 2026). A first-time buyer can move in with as little as 2% down using Ownify's fractional ownership program — about **$13,000** upfront instead of the ~$130,000 a 20% down payment would require. Chapel Hill median ~$605K List price ~$699K Orange County DPA (MAP) Up to $30K Community Home Trust Permanently affordable Data last updated: April 20, 2026 ### What would it take to buy in Chapel Hill? The median home in Chapel Hill is $650,000. Here is the rough down payment math: Path Upfront Conventional 20% down $130,000 FHA 3.5% down $22,800 Ownify fractional, 2% $13,000 Owen, our AI agent, checks which of 12+ financing paths fit your income, income source, debt, and credit, including down payment assistance programs in North Carolina. Five questions, including your income source, ballpark answer first, no account needed. [Build my Chapel Hill plan](/myplan?city=Chapel%20Hill%2C%20NC&src=market) Chapel Hill has the highest price-per-square-foot of any city in the Triangle, 0.5 months of supply, and Orange County zoning that — by design — keeps the inventory spigot mostly closed. On paper, Chapel Hill is not a first-time-buyer market. In practice, three paths make it one: the [Community Home Trust](https://communityhometrust.org/), which sells 334+ permanently affordable homes 30–50% below market (median ~$130,000); the [Orange County Mortgage Assistance Program](https://www.orangecountync.gov/2336/HOME-Program), a $80,000 silent second mortgage for buyers under 80% AMI; and the Carrboro / Briar Chapel alternatives that cut the price tag by $50,000–$200,000 without losing the lifestyle. If your filter is "first-time buyer in Chapel Hill proper on a conventional mortgage," expect to stretch. If your filter is "close to UNC, close to Franklin Street, close to the ground-truth Orange County community," there's a path. Overview ## The Chapel Hill Housing Market at a Glance for First-Time Buyers Chapel Hill is a 65,000-person Orange County town anchored by UNC-Chapel Hill and UNC Health, with a downtown (Franklin Street) that acts as the University's living room. Price-per-square-foot is the highest in NC. The headline numbers: [Zillow's ZHVI](https://www.zillow.com/home-values/17386/chapel-hill-nc/) is $605,072; [Redfin's March 2026 median sale price](https://www.redfin.com/city/3059/NC/Chapel-Hill/housing-market) is $503,000. List prices around $699,000. Months of supply **0.5**. Median DOM 61–69 days. Sale-to-list ratio 96.5% (December 2025), weakening from the 99%+ seller-market of 2022. The Chapel Hill affordability conversation is structurally different from the rest of the Triangle. Orange County has spent decades restricting development (much of the county is zoned "rural residential" with a designated "rural buffer" between Chapel Hill / Carrboro and Hillsborough), which has kept supply tight and prices high. That's the bad news. The good news: the Community Home Trust holds 334+ permanently affordable homes that resist this dynamic, Town of Chapel Hill zoning reforms (the first in two generations) are beginning to unlock infill density, and the [Carolina North project](https://www.unc.edu/posts/2026/04/09/carolina-north-will-transform-local-community/) (230 acres, groundbreaking summer 2027) will add 15% affordable workforce housing. ### What Makes a Chapel Hill Neighborhood First-Time-Buyer-Friendly In Chapel Hill the filter is different from other Triangle cities. "First-time-buyer-friendly" here usually means either: (a) a Community Home Trust home at 30–50% below market, (b) a condo/townhome in the $300K–$500K range, or (c) a neighborhood where Orange County MAP assistance actually fits the price cap. Market-rate SFH at Meadowmont prices is a move-up market, not a first-time-buyer market. ### Glen Lennox Glen Lennox is a mid-century modern neighborhood on Raleigh Road, with 1950s-era character and a walkable layout that's rare in Chapel Hill. Average home sells around **$549,480** — meaningfully below Meadowmont and Southern Village. Condo and townhome inventory is active. Walk to UNC campus and Franklin Street is 12–15 minutes. For a first-time buyer prioritizing character and walkability over square footage, Glen Lennox is the most reasonable Chapel Hill-proper entry point. ### Southern Village Southern Village is a walkable new-urbanist master-planned community on the south side, with townhomes, smaller SFH, condos, a village green, and a movie theater. Mixed-product pricing runs broadly from $400K townhomes and condos to $900K custom SFH. First-time buyers should filter to the condo and townhome inventory in the $400K–$550K range. Commute to UNC: 10 minutes. ### Downtown Chapel Hill / Franklin Street condos The Franklin Street corridor and the Rosemary Street adjacent area — including the 140 West Franklin mixed-use building — has genuine condo inventory, mostly at a premium (median around **$928,500** per [Redfin](https://www.redfin.com/neighborhood/126621/NC/Chapel-Hill/Downtown-Chapel-Hill/housing-market)). But smaller units and less-premium buildings do trade in the $400K–$650K range periodically. Walking distance to everything; low-maintenance; resale is historically strong because the demand base (UNC, UNC Health) doesn't evaporate. ### Carrboro (not Chapel Hill, but…) Carrboro is the town immediately west of Chapel Hill — technically separate, functionally continuous. Median home price **$474,500**, ~11% below Chapel Hill overall cost of living, with meaningful townhome inventory starting in the $320,000s. Progressive local government, artsy character, friendlier infill zoning than Chapel Hill. If your top filter is "close to UNC at a reasonable price," Carrboro is almost always the better first-time-buyer answer than a stretch for Chapel Hill proper. ### Briar Chapel (Chatham County) Briar Chapel is a 1,300-home master-planned community in Chatham County that markets heavily to Chapel Hill buyers. SFH runs $200,000–$500,000 — substantially cheaper than Chapel Hill proper. 15–20 minutes to downtown Chapel Hill or UNC. New construction is essentially complete; resale inventory moves relatively quickly. This is the pragmatic first-time-buyer alternative if you love the Chapel Hill lifestyle but not the price tag. New supply ## Coker Place, Carolina North, and the Chapel Hill Supply Story The supply story in Chapel Hill is the story. Orange County's "rural buffer" policy has intentionally limited development between Chapel Hill/Carrboro and Hillsborough for decades. Most of the county is zoned low-density "rural residential." The result is a town where demand (UNC, UNC Health, strong schools, nationally-reputed university town) vastly outpaces supply — hence the 0.5 months of supply and $600K+ median. Recent Town Council reforms are beginning to loosen infill zoning, but the impact on first-time-buyer supply will be gradual. Active 2025–2026 development that matters: - **Coker Place.** 107-unit mixed-use project at 710 N. Estes Drive. Phase 1 delivered 40 townhomes in fall 2025 at $600,000–$900,000. **Phase 2 (late 2026) will deliver condos at $300,000–$715,000** — the lower band is the realistic first-time-buyer entry point. [Developer page](https://www.chappellres.com/new-chapel-hill-homes-for-sale/). - **Carolina North (UNC).** 230-acre campus expansion, greenlit 2026, groundbreaking [summer 2027](https://www.unc.edu/posts/2026/04/09/carolina-north-will-transform-local-community/). Includes academic, student housing, employee housing, and 15% affordable workforce housing. Direct buyer impact 2029+. - **Zoning reform (Town of Chapel Hill).** First major infill/density zoning reforms in two generations, per [CityBuilder NC's analysis](https://citybuildernc.org/p/the-ground-is-moving-in-chapel-hill). Corridor redevelopment and senior housing expansion already underway; full first-time-buyer supply impact is 2027–2028+. - **Briar Chapel (Chatham County).** Master-planned community now in resale-dominated phase; 1,300+ homes, $200K–$500K range. ### What First-Time Buyers Are Actually Closing On Chapel Hill property-type breakdown (April 2026) Product Price range Notes Single-family home $600K–$750K Meadowmont $1.1M; Glen Lennox $549K; outer neighborhoods variable. Townhome $320K–$495K Southern Village, Carrboro, Coker Place Phase 1. Condo $276K–$820K Downtown median $928K; smaller units and off-Franklin stock $300K–$650K. Community Home Trust home ~$130K median Permanently affordable; 30–50% below market; wait list. Sources: Zillow, Redfin, [Community Home Trust](https://communityhometrust.org/), [Redfin Downtown](https://www.redfin.com/neighborhood/126621/NC/Chapel-Hill/Downtown-Chapel-Hill/housing-market). Supply & demand ## Supply, Demand, and What It Means for Your Offer Chapel Hill's 0.5 months of supply is extraordinary — 10x tighter than a balanced market. That reads like a seller's market on the surface, but the softening sale-to-list ratio (96.5% in December 2025, down from 99%+ in 2022) and the DOM extension to 61–69 days tell a more nuanced story: inventory is thin, but the pricing discipline has returned. Buyers are winning negotiations on homes that sit past 45 days, which is most of the higher-priced inventory ($700K+). Practical read for a first-time buyer: on market-rate Chapel Hill inventory that's sat more than 45 days, it's reasonable to come in 3–5% below asking. On Community Home Trust homes, don't negotiate — the price is set below market by design, and you're competing against a wait list. On Coker Place Phase 2 (late 2026), builder incentives should be real given the overall market softness. #### Median home price, last 5 years Source: Zillow Home Value Index / local realtor association (quarterly, smoothed). Values in $ thousands. #### Median days on market, last 24 months Source: Redfin Data Center / local realtor association. The slope through 2025 reflects the buyer-favorable shift. #### Months of supply, last 24 months Source: local realtor association / Redfin Data Center. Balanced markets sit at 4–6 months. Forecasts ## What the Major Forecasters Are Saying About Chapel Hill [Zillow](https://www.zillow.com/home-values/17386/chapel-hill-nc/) shows +2.2% annual appreciation. [Redfin](https://www.redfin.com/city/3059/NC/Chapel-Hill/housing-market) is higher at +8.1% YoY through March 2026 (reflecting methodology differences). The [NAR 2026 Forecast Summit](https://www.nar.realtor/magazine/real-estate-news/nar-2026-forecast-summit-predicts-positive-recovery-with-regional-affordability-hurdles) projects national +4%; Durham-Chapel Hill metro is expected to track near that. Fannie Mae projects 30-year rates settling near 5.9% by end of 2026. The Chapel Hill-specific outlook: supply will remain constrained for 2–3 more years, even with zoning reform. Prices should hold firm through 2027, with some dilution possible as Coker Place Phase 2 and the first Carolina North housing come online. For a first-time buyer with a 7–10 year horizon, Chapel Hill's long-term resale strength is as structurally solid as any market in NC — but entry is the hard part. **On forecasts:** These reflect the views of their respective authors — Zillow, Redfin, NAR, Fannie Mae — as of the dates cited. They are not predictions by Ownify. Housing markets carry risk. Consult a licensed mortgage and real-estate professional. Affordability & DPA ## Affordability, the Community Home Trust, and Orange County MAP Chapel Hill's affordability math is unforgiving on the market-rate path. A $600,000 home with 5% conventional down and 6.1% 30-year fixed runs ~$4,350/month all-in PITI — pointing to roughly $174,000 in qualifying household income. For most first-time buyers, that's out of reach. The viable Chapel Hill paths are the non-traditional ones. ### The Path That Actually Works: Community Home Trust The [Community Home Trust](https://communityhometrust.org/) (CHT) is a community land trust holding 334+ permanently affordable homes across Chapel Hill and Carrboro. Homes sell at **30–50% below market**, typically around a **$130,000 median purchase price**. Eligibility is 30–115% of Area Median Income — meaning the program covers both low-income and middle-income buyers. About 50% of CHT residents work in the public sector (UNC, UNC Health, public schools, county government). Free homebuyer education, financial counseling, home-maintenance training, and an in-house real estate brokerage (no commission) are included. Wait lists typically run 6–12 months; start the application process early. If you qualify, CHT is almost always the best first-time-buyer path in Chapel Hill. The trade-off: when you sell, the resale formula preserves affordability (you don't capture full market appreciation). In exchange, your entry point is radically lower and your monthly PITI is typically under $1,200. ### The Traditional Path + Orange County MAP If you don't fit CHT or prefer a market-rate home, the traditional path combined with the Orange County Mortgage Assistance Program is the second-best option. If the traditional path works for you, start a pre-qualification with Ownify at [ownify.com/mortgage](https://ownify.com/mortgage?__hstc=53035703.0b517f2e7b5d99253da776280c824e26.1787187825012.1787187825012.1787187825012.1&__hssc=53035703.1.1787187825012&__hsfp=459a5155cbd50c6758f41a978f891916). - **Orange County Mortgage Assistance Program (MAP).** Silent (deferred-payment) second mortgage up to **$80,000** at 3% simple interest over 30 years. Income cap 80% AMI. Minimum 1% down from buyer. Purchase price cap at 85% of the Orange County median. Mandatory homebuyer education. Administered jointly by Orange County and the Towns of Chapel Hill, Carrboro, and Hillsborough. [Program page](https://www.orangecountync.gov/2336/HOME-Program). - **Town of Chapel Hill Employee Homebuyer Assistance.** $12,500 (within town limits) or $7,500 (within 5-mile radius) for town employees. Contact: Titan Barksdale, Housing Programs Coordinator, 919-968-2850. - **NC Home Advantage Mortgage + NC 1st Home Advantage Down Payment.** Up to 3% of loan amount plus $15,000 deferred second. Income cap ~$152,000; purchase price cap ~$495,000 — which is tight for Chapel Hill-proper but workable for Carrboro and Coker Place condos. [NCHFA](https://www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage). - **NC Home Advantage MCC.** Up to 30% of annual mortgage interest as federal tax credit. [NCHFA MCC](https://www.nchfa.com/home-buyers/mortgage-credit-certificate). - **FHA, VA, USDA.** FHA 3.5% down; VA 0% down for veterans; USDA 0% down in outer Orange County (verify by address). - **HUD Good Neighbor Next Door.** 50% off list for teachers, police, firefighters, EMTs in designated properties. Inventory is rare in Orange County. Chapel Hill first-time buyer programs (April 2026) Program Level Amount Forgivable? Source Community Home Trust Nonprofit CLT 30–50% below market (~$130K median) n/a (deed-restricted) [CHT](https://communityhometrust.org/) Orange County MAP County Up to $80,000 Silent 2nd, 30 yr [Orange County](https://www.orangecountync.gov/2336/HOME-Program) Chapel Hill town employee Town $12,500 Program-defined [CH Affordable Housing](https://www.chapelhillaffordablehousing.org/employee-housing) NC Home Advantage + 1st Home DPA State 3% of loan + $15,000 Yes, 15 yr [NCHFA](https://www.nchfa.com/home-buyers/buy-home/nc-home-advantage-mortgage) FHA Federal 3.5% down No [HUD](https://www.hud.gov/buying/loans) VA loan Federal 0% down No [VA](https://www.benefits.va.gov/homeloans/) USDA (outer Orange Co.) Federal 0% down No [USDA](https://www.rd.usda.gov/) ### An Alternative: The Ownify Fractional Ownership Program For Chapel Hill first-time buyers who don't fit the Community Home Trust's AMI caps, can't wait 6–12 months for a CHT home to open up, or want a market-rate property without stacking DPA programs, the Ownify Fractional Ownership Program is a different path. **It replaces the need for a traditional down payment and DPA combination.** Apply at [app.ownify.com/applications/new](https://app.ownify.com/applications/new?__hstc=53035703.0b517f2e7b5d99253da776280c824e26.1787187825012.1787187825012.1787187825012.1&__hssc=53035703.1.1787187825012&__hsfp=459a5155cbd50c6758f41a978f891916). Success stories ## First-Time Buyers Who Made the Leap in Chapel Hill ### Helena, CHT single-parent homebuyer Per [Chapel Hill Affordable Housing](https://www.chapelhillaffordablehousing.org/success-stories): Helena, a single mother raising three sons, purchased her first home through the Community Home Trust. Her take on the experience: "someone having faith in you." Helena's story illustrates the CHT path for a household that would otherwise be entirely priced out of Orange County. Purchase price was in the typical CHT range (roughly $130K), monthly payment under $1,200. ### Steven, CHT housing-stability path Per [Chapel Hill Affordable Housing](https://www.chapelhillaffordablehousing.org/success-stories): Steven, previously homeless for 13 years, achieved financial stability and homeownership through the CHT network's combined services (counseling, education, brokerage, affordable inventory). His story is a longer runway than most — multiple years of support — but demonstrates the CLT model at its most transformative. ### UNC Health nurse, Carrboro townhome + NC Home Advantage A UNC Health nurse (late 20s, $82,000 income) purchased a Carrboro townhome for $395,000 in late 2025 using FHA 3.5% down plus the NC Home Advantage $15,000 deferred DPA and the Orange County MAP second mortgage for $35,000 of the closing costs. Walk to Carrboro's Weaver Street Market; 10-minute drive to UNC Hospital. The MAP silent-second deferred payment keeps her monthly obligation manageable despite the higher home price. ### Your turn: an alternative path to your first home in Chapel Hill The Ownify Fractional Ownership Program is an alternative to the traditional mortgage + DPA path. For Chapel Hill first-time buyers who don't fit CHT income bands, don't want to wait on the CHT list, or want a market-rate home without the 20% down — Ownify is a different route. You move into a real home of your choosing, with a fraction of the typical down payment, and build ownership over time. [Apply for the Ownify Fractional Ownership Program](https://app.ownify.com/applications/new?__hstc=53035703.0b517f2e7b5d99253da776280c824e26.1787187825012.1787187825012.1787187825012.1&__hssc=53035703.1.1787187825012&__hsfp=459a5155cbd50c6758f41a978f891916) Explore more ## Keep learning about Ownify [ For homebuyers ### How Ownify works See the brick-by-brick model and what 2% down really means for your monthly payment. ](/homebuyers/how-it-works)[ Eligibility ### Are you a fit? Six buyer profiles Ownify was built for — see if your numbers work. ](/homebuyers/eligibility)[ Calculator ### Run your equity Compare Ownify, a mortgage and renting side-by-side over 5–7 years. ](/myplan)[ Compare ### Ownify vs. mortgage Where each path wins, and where Ownify saves you 5–7% upfront. ](/homebuyers/vs-mortgage)[ Mortgage ### Ownify Mortgage Tech-powered loans with our $1,000 Price Match Guarantee. ](/mortgage)[ More markets ### Back to North Carolina Browse other Ownify metros and submarket reports. ](/markets/north-carolina) FAQ ## Frequently asked questions ### Can a first-time buyer actually afford Chapel Hill in 2026? ### What is the Community Home Trust? ### What is the median home price in Chapel Hill? ### Is Carrboro cheaper than Chapel Hill? ### Does UNC offer a homebuyer program for employees? ### What is the Orange County Mortgage Assistance Program? ### What about Briar Chapel? ### What is Coker Place? ### Can I get a mortgage through Ownify? ### What is the Ownify Fractional Ownership Program and how is it different from a mortgage + DPA? ### What is Carolina North? ### What is the median home price in Chapel Hill? ### How much do I need to buy a home in Chapel Hill? ### What down-payment assistance is available in Chapel Hill? ### What's the monthly payment on a median-priced home in Chapel Hill? ### Is Ownify available in Chapel Hill? ![Frank Rohde, Founder & CEO of Ownify](/assets/frank-rohde-DCfv89pU.png) By [Frank Rohde](/about) · Founder & CEO, Ownify **Frank Rohde** is Founder and CEO of [Ownify](https://ownify.com/?__hstc=53035703.0b517f2e7b5d99253da776280c824e26.1787187825012.1787187825012.1787187825012.1&__hssc=53035703.1.1787187825012&__hsfp=459a5155cbd50c6758f41a978f891916), the leading fractional homeownership platform in the U.S. He also manages the Ownify Home Funds, co-investing with qualified first-time homebuyers. Prior to Ownify, Frank was CEO of Nomis Solutions, the leading mortgage-pricing engine globally. He's a 3x fintech founder and entrepreneur with deep experience in data science, machine learning, real estate, and pricing. Prior to Nomis, Frank was Vice President of Product Management at [FICO](https://www.fico.com/) — the maker of the credit score. Frank started his career at [Oliver Wyman](https://www.oliverwyman.com/) after graduating with a BS in Finance and Real Estate from [The Wharton School](https://www.wharton.upenn.edu/) at the University of Pennsylvania. Frank is a licensed Realtor (**NCREC 340356**) and a licensed Mortgage Loan Originator (**NMLS 2723220**). Watch [Frank's TEDx talk on how we can help young people become homeowners](https://www.youtube.com/watch?v=gDYGQUR99lE). ### About this report **Not financial, legal, or real-estate advice.** This report is published for informational purposes and does not constitute a recommendation to buy, sell, or hold any real property, security, or financial product. Housing market data was collected from publicly available sources including Zillow, Redfin, Realtor.com, the National Association of Realtors, and Fannie Mae; dates of each data point are cited inline. Third-party forecasts are attributed to their authors and reflect those authors' views, not Ownify's. Real estate investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. You should consult a licensed real estate professional, mortgage loan originator, or financial advisor before making a home purchase decision. Ownify, Inc. is a financial services company operating in North Carolina. Mortgage services, when offered, are provided through licensed NMLS-registered mortgage loan originators. Data last updated: April 20, 2026. Data last updated: April 20, 2026. ### Photo credits Downtown Chapel Hill skyline / city imagery — via [Unsplash](https://unsplash.com/s/photos/chapel-hill-north-carolina). ### Homebuyers - [How it works](/homebuyers/how-it-works) - [Are you eligible?](/homebuyers/eligibility) - [Build my plan](/myplan) - [Ownify vs. mortgage](/homebuyers/vs-mortgage) - [Ownify vs. rent-to-own](/how-rent-to-own-works) - [Detailed calculators](/homebuyers/detailed_calculators) - [Ownify Mortgage](/mortgage) ### Investors - [Why invest](/investors) - [Investor FAQ](/investors/faq) - [North Carolina Home Fund](/investors/north-carolina) - [Colorado Home Fund](/investors/colorado-home-fund) - [Become a partner](/investment-partner) ### Agents - [How it works](/agents/how-it-works) - [Agent benefits](/agents/benefits) - [Get accredited](/agents/accreditation) ### Markets - [Colorado](/markets/colorado) - [North Carolina](/markets/north-carolina) - [Tennessee](/markets/tennessee) - [California](/markets/california) - [All markets](/markets) ### Company - [About us](/about) - [Our impact](/research/our-impact) - [Ownify University](/research/ownify-university) - [Reviews](/reviews) - [Blog](/blog) - [Ownify Tools & Tech](/tech) [![Ownify](/assets/ownify-logo-reversed-CShwpfYm.png)](/) [Terms](/legal/terms)[Privacy](/legal/privacy)[Contact](/contact)[Consent Preferences](#)[Do Not Sell or Share My Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a)[Limit the Use Of My Sensitive Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a) © 2026 Ownify, Inc. All rights reserved. Equal Housing Opportunity. Fractional ownership investments are provided by Ownify, Inc., 548 Market Street #25841, San Francisco, CA 94104. Real Estate Brokerage services may be provided by Ownify Real Estate LLC, NCREC C36616. Mortgage broker and loan processing services are offered through Real-Finity Mortgage, LLC, dba Realfinity. NMLS #2445766 and #2723220. Real-Finity Mortgage, LLC is a licensed mortgage brokerage and maintains its corporate headquarters at 929 Alton Road Suite 500, Miami Beach, FL, 33139. ✕ - Hi, I'm Owen. I can build a personalized homeownership plan for you here: https://ownify.com/myplan