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Black Creek town, NC

ZIP 27813 — 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 27813

Median Home Value
$111,400
Median Rent
$669
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$716/mo PITI).

17%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.9 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 27813 in Black Creek town, NC, a household would need roughly $31,000 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 $716. That sits below the local median household income ($47,337), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
64.8%-1% vs US avg
x
Vacancy Rate
20.6%+100% vs US avg
x
Broadband Access
75.8%-13% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
4.7%-64% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.5%-75% vs US avg
x
Mortgage-Free
54.8%+43% vs US avg
x
$111,400
Home Value
$669
Rent
1988
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached69.2%
  • 1-unit attached0.0%
  • 2-9 units7.3%
  • 10+ units0.0%
  • Mobile home & other23.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$111,400
Median rent$669
Owner-occupied64.8%
Vacant20.6%
Price-to-income2.4x
Est. income to buy$31,000