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Rocky Mount city, NC

ZIP 27804 — 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 27804

Median Home Value
$177,600
Median Rent
$746
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,141/mo PITI).

15%
Rent-to-Income Ratio

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

3.0x
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 27804 in Rocky Mount city, NC, a household would need roughly $49,000 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 $1,141. That sits below the local median household income ($58,837), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
53.9%-18% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
83.2%-4% vs US avg
x
4+ Bedrooms
2.0%-87% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
48.7%+27% vs US avg
x
$177,600
Home Value
$746
Rent
1986
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached58.7%
  • 1-unit attached4.2%
  • 2-9 units20.2%
  • 10+ units8.4%
  • Mobile home & other8.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,600
Median rent$746
Owner-occupied53.9%
Vacant9.6%
Price-to-income3.0x
Est. income to buy$49,000