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Warsaw town, NC

ZIP 28398 — 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 28398

Median Home Value
$86,000
Median Rent
$588
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$552/mo PITI).

16%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.2 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 28398 in Warsaw town, NC, a household would need roughly $24,000 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 $552. That sits below the local median household income ($45,167), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
55.1%-16% vs US avg
x
Vacancy Rate
23.2%+126% vs US avg
x
Broadband Access
81.6%-6% vs US avg
x
4+ Bedrooms
0.2%-98% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
60.9%+59% vs US avg
x
$86,000
Home Value
$588
Rent
1987
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 detached49.4%
  • 1-unit attached3.2%
  • 2-9 units12.8%
  • 10+ units7.1%
  • Mobile home & other27.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$86,000
Median rent$588
Owner-occupied55.1%
Vacant23.2%
Price-to-income1.9x
Est. income to buy$24,000