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Pilot Mountain town, NC

ZIP 27041 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 27041

Median Home Value
$214,900
Median Rent
$563
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,380/mo PITI).

10%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

31.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 27041 in Pilot Mountain town, NC, a household would need roughly $59,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,380. That sits below the local median household income ($68,328), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
78.3%+20% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
87.9%+1% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
6.6%-48% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
8.8%-82% vs US avg
x
Mortgage-Free
54.3%+42% vs US avg
x
$214,900
Home Value
$563
Rent
1985
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached73.1%
  • 1-unit attached1.3%
  • 2-9 units5.3%
  • 10+ units0.7%
  • Mobile home & other19.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$214,900
Median rent$563
Owner-occupied78.3%
Vacant7.5%
Price-to-income3.1x
Est. income to buy$59,000