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Stem town, NC

ZIP 27581 — 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 27581

Median Home Value
$214,000
Median Rent
$899
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,375/mo PITI).

16%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

19.8 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 27581 in Stem town, NC, a household would need roughly $59,000 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 $1,375. That sits below the local median household income ($68,235), 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
88.4%+35% vs US avg
x
Vacancy Rate
5.4%-48% vs US avg
x
Broadband Access
86.7%-0% vs US avg
x
4+ Bedrooms
1.3%-92% vs US avg
x
Built Pre-1939
1.7%-86% vs US avg
x
Built Post-2014
7.4%+7% vs US avg
x
Rent Burden >30%
8.3%-83% vs US avg
x
Mortgage-Free
45.0%+18% vs US avg
x
$214,000
Home Value
$899
Rent
1999
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 detached78.5%
  • 1-unit attached0.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other21.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$214,000
Median rent$899
Owner-occupied88.4%
Vacant5.4%
Price-to-income3.1x
Est. income to buy$59,000