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Oak City town, NC

ZIP 27857 — 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 27857

Median Home Value
$84,700
Median Rent
$299
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$544/mo PITI).

6%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.6 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 27857 in Oak City town, NC, a household would need roughly $23,000 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 $544. That sits below the local median household income ($60,158), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.1%-10% vs US avg
x
Vacancy Rate
14.1%+37% vs US avg
x
Broadband Access
81.5%-6% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.7%-70% vs US avg
x
Mortgage-Free
55.9%+46% vs US avg
x
$84,700
Home Value
$299
Rent
1983
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached73.9%
  • 1-unit attached0.1%
  • 2-9 units7.0%
  • 10+ units0.0%
  • Mobile home & other18.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$84,700
Median rent$299
Owner-occupied59.1%
Vacant14.1%
Price-to-income1.4x
Est. income to buy$23,000