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Holly Springs town, NC

ZIP 27540 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 27540

Median Home Value
$474,700
Median Rent
$1,567
Affordability Snapshot
$131,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,049/mo PITI).

15%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

25.2 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 27540 in Holly Springs town, NC, a household would need roughly $131,000 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 $3,049. That is roughly in line with the local median household income ($125,681). 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
84.5%+29% vs US avg
x
Vacancy Rate
6.0%-42% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
14.4%-3% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
8.5%+23% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
18.9%-51% vs US avg
x
$474,700
Home Value
$1,567
Rent
2007
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached81.1%
  • 1-unit attached7.7%
  • 2-9 units1.5%
  • 10+ units7.9%
  • Mobile home & other1.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$474,700
Median rent$1,567
Owner-occupied84.5%
Vacant6.0%
Price-to-income3.8x
Est. income to buy$131,000