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Millers Creek CDP, NC

ZIP 28651 — 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 28651

Median Home Value
$181,700
Median Rent
$520
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,167/mo PITI).

11%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

29.1 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 28651 in Millers Creek CDP, NC, a household would need roughly $50,000 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 $1,167. That sits below the local median household income ($57,232), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.7%+28% vs US avg
x
Vacancy Rate
21.8%+111% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.4%-87% vs US avg
x
Mortgage-Free
52.1%+36% vs US avg
x
$181,700
Home Value
$520
Rent
1982
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached70.9%
  • 1-unit attached0.0%
  • 2-9 units2.8%
  • 10+ units0.0%
  • Mobile home & other26.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,700
Median rent$520
Owner-occupied83.7%
Vacant21.8%
Price-to-income3.2x
Est. income to buy$50,000