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Hamilton town, NC

ZIP 27840 — 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 27840

Median Home Value
$62,300
Median Rent
N/A
Affordability Snapshot
$17,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$400/mo PITI).

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 27840 in Hamilton town, NC, a household would need roughly $17,000 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 $400. That sits below the local median household income ($24,596), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.8%+37% vs US avg
x
Vacancy Rate
31.4%+204% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
13.0%+1% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.4%-69% vs US avg
x
Mortgage-Free
72.8%+91% vs US avg
x
$62,300
Home Value
N/A
Rent
1966
Year Built
1993
Moved In

Residents have lived here since ~1993 on average

Housing Structure

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

  • 1-unit detached73.0%
  • 1-unit attached0.5%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other26.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$62,300
Median rent$-666,666,666
Owner-occupied89.8%
Vacant31.4%
Price-to-income2.5x
Est. income to buy$17,000