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Locust city, NC

ZIP 28097 — 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 28097

Median Home Value
$281,200
Median Rent
$595
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,806/mo PITI).

9%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

39.4 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 28097 in Locust city, NC, a household would need roughly $77,000 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 $1,806. That is roughly in line with the local median household income ($77,600). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
81.7%+25% vs US avg
x
Vacancy Rate
7.7%-25% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
3.5%-49% vs US avg
x
Rent Burden >30%
16.2%-67% vs US avg
x
Mortgage-Free
42.5%+11% vs US avg
x
$281,200
Home Value
$595
Rent
1996
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached81.2%
  • 1-unit attached0.0%
  • 2-9 units1.9%
  • 10+ units1.7%
  • Mobile home & other15.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,200
Median rent$595
Owner-occupied81.7%
Vacant7.7%
Price-to-income3.6x
Est. income to buy$77,000