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Mount Olive town, NC

ZIP 28365 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28365

Median Home Value
$119,000
Median Rent
$572
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$764/mo PITI).

13%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.3 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 28365 in Mount Olive town, NC, a household would need roughly $33,000 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 $764. That sits below the local median household income ($52,333), 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
76.1%+16% vs US avg
x
Vacancy Rate
14.3%+38% vs US avg
x
Broadband Access
79.7%-8% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
14.9%-70% vs US avg
x
Mortgage-Free
59.2%+55% vs US avg
x
$119,000
Home Value
$572
Rent
1977
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached62.1%
  • 1-unit attached0.6%
  • 2-9 units4.0%
  • 10+ units0.2%
  • Mobile home & other33.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$119,000
Median rent$572
Owner-occupied76.1%
Vacant14.3%
Price-to-income2.3x
Est. income to buy$33,000