US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 27831
  5. Housing & Real Estate
Garysburg town, NC

ZIP 27831 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 27831

Median Home Value
$75,800
Median Rent
$556
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$487/mo PITI).

19%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.4 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 27831 in Garysburg town, NC, a household would need roughly $21,000 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 $487. That sits below the local median household income ($34,262), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.3%+14% vs US avg
x
Vacancy Rate
22.4%+118% vs US avg
x
Broadband Access
77.8%-11% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
9.3%-27% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
38.1%-23% vs US avg
x
Mortgage-Free
65.8%+72% vs US avg
x
$75,800
Home Value
$556
Rent
1981
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached49.7%
  • 1-unit attached0.0%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other49.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$75,800
Median rent$556
Owner-occupied74.3%
Vacant22.4%
Price-to-income2.2x
Est. income to buy$21,000