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Henderson city, NC

ZIP 27536 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 27536

Median Home Value
$120,600
Median Rent
$538
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$775/mo PITI).

16%
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.

18.7 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 27536 in Henderson city, NC, a household would need roughly $33,000 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 $775. That sits below the local median household income ($39,491), 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

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
37.5%-43% vs US avg
x
Vacancy Rate
15.8%+53% vs US avg
x
Broadband Access
81.2%-7% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
27.8%-44% vs US avg
x
Mortgage-Free
58.4%+53% vs US avg
x
$120,600
Home Value
$538
Rent
1967
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 detached70.3%
  • 1-unit attached2.5%
  • 2-9 units18.4%
  • 10+ units6.0%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$120,600
Median rent$538
Owner-occupied37.5%
Vacant15.8%
Price-to-income3.1x
Est. income to buy$33,000