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Clayton town, NC

ZIP 27520 — 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 27520

Median Home Value
$282,200
Median Rent
$1,231
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,813/mo PITI).

17%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

19.1 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 27520 in Clayton town, NC, a household would need roughly $78,000 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 $1,813. That is roughly in line with the local median household income ($84,545). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.3%+17% vs US avg
x
Vacancy Rate
4.9%-52% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
15.6%-69% vs US avg
x
Mortgage-Free
27.3%-29% vs US avg
x
$282,200
Home Value
$1,231
Rent
2001
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached78.1%
  • 1-unit attached3.5%
  • 2-9 units4.2%
  • 10+ units4.5%
  • Mobile home & other9.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$282,200
Median rent$1,231
Owner-occupied76.3%
Vacant4.9%
Price-to-income3.3x
Est. income to buy$78,000