US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 28678
  5. Housing & Real Estate
Stony Point CDP, NC

ZIP 28678 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28678

Median Home Value
$203,100
Median Rent
$611
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,305/mo PITI).

10%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.7 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 28678 in Stony Point CDP, 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 $1,305. That sits below the local median household income ($70,940), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
92.0%+41% vs US avg
x
Vacancy Rate
8.3%-19% vs US avg
x
Broadband Access
84.0%-3% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
19.6%-61% vs US avg
x
Mortgage-Free
59.2%+55% vs US avg
x
$203,100
Home Value
$611
Rent
1994
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 detached75.7%
  • 1-unit attached0.5%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other23.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$203,100
Median rent$611
Owner-occupied92.0%
Vacant8.3%
Price-to-income2.9x
Est. income to buy$56,000