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Sparta town, NC

ZIP 28675 — 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 28675

Median Home Value
$202,100
Median Rent
$508
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,298/mo PITI).

14%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

33.2 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 28675 in Sparta town, NC, a household would need roughly $56,000 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 $1,298. That is about 27% above the local median household income ($44,137), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.2%+17% vs US avg
x
Vacancy Rate
20.5%+99% vs US avg
x
Broadband Access
78.7%-10% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
46.7%+22% vs US avg
x
$202,100
Home Value
$508
Rent
1980
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached77.0%
  • 1-unit attached0.1%
  • 2-9 units5.1%
  • 10+ units1.9%
  • Mobile home & other16.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$202,100
Median rent$508
Owner-occupied76.2%
Vacant20.5%
Price-to-income4.6x
Est. income to buy$56,000