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Vanceboro town, NC

ZIP 28586 — 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 28586

Median Home Value
$100,600
Median Rent
$553
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$646/mo PITI).

14%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.2 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 28586 in Vanceboro town, NC, a household would need roughly $28,000 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 $646. That sits below the local median household income ($46,486), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.3%+15% vs US avg
x
Vacancy Rate
15.6%+51% vs US avg
x
Broadband Access
75.4%-13% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
2.6%-63% vs US avg
x
Rent Burden >30%
22.2%-55% vs US avg
x
Mortgage-Free
53.3%+40% vs US avg
x
$100,600
Home Value
$553
Rent
1987
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached54.1%
  • 1-unit attached0.4%
  • 2-9 units1.9%
  • 10+ units1.1%
  • Mobile home & other42.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$100,600
Median rent$553
Owner-occupied75.3%
Vacant15.6%
Price-to-income2.2x
Est. income to buy$28,000