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Smithfield town, NC

ZIP 27577 — 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 27577

Median Home Value
$230,200
Median Rent
$555
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,479/mo PITI).

12%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

34.6 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 27577 in Smithfield town, NC, a household would need roughly $63,000 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 $1,479. That is roughly in line with the local median household income ($56,237). 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
67.2%+3% vs US avg
x
Vacancy Rate
8.0%-23% vs US avg
x
Broadband Access
81.2%-7% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
27.9%-44% vs US avg
x
Mortgage-Free
31.7%-17% vs US avg
x
$230,200
Home Value
$555
Rent
1984
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached67.4%
  • 1-unit attached3.5%
  • 2-9 units9.1%
  • 10+ units7.4%
  • Mobile home & other12.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$230,200
Median rent$555
Owner-occupied67.2%
Vacant8.0%
Price-to-income4.1x
Est. income to buy$63,000