US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 28399
  5. Housing & Real Estate
White Oak CDP, NC

ZIP 28399 — 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 28399

Median Home Value
$136,400
Median Rent
$418
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$876/mo PITI).

11%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

27.2 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 28399 in White Oak CDP, NC, a household would need roughly $38,000 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 $876. That sits below the local median household income ($45,395), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
56.4%-14% vs US avg
x
Vacancy Rate
25.2%+144% vs US avg
x
Broadband Access
81.3%-7% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
8.5%-34% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.8%-72% vs US avg
x
Mortgage-Free
61.7%+62% vs US avg
x
$136,400
Home Value
$418
Rent
1992
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 detached50.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other49.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$136,400
Median rent$418
Owner-occupied56.4%
Vacant25.2%
Price-to-income3.0x
Est. income to buy$38,000