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Carthage town, NC

ZIP 28327 — 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 28327

Median Home Value
$299,500
Median Rent
$1,124
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,924/mo PITI).

16%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

22.2 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 28327 in Carthage town, NC, a household would need roughly $82,000 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 $1,924. That is roughly in line with the local median household income ($84,850). 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
79.1%+21% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
4.3%-37% vs US avg
x
Rent Burden >30%
8.5%-83% vs US avg
x
Mortgage-Free
40.5%+6% vs US avg
x
$299,500
Home Value
$1,124
Rent
1994
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 detached71.9%
  • 1-unit attached0.9%
  • 2-9 units2.3%
  • 10+ units3.5%
  • Mobile home & other21.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$299,500
Median rent$1,124
Owner-occupied79.1%
Vacant9.6%
Price-to-income3.5x
Est. income to buy$82,000