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Scotland Neck town, NC

ZIP 27874 — 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 27874

Median Home Value
$79,500
Median Rent
$309
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$511/mo PITI).

10%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.4 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 27874 in Scotland Neck town, NC, a household would need roughly $22,000 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 $511. That sits below the local median household income ($37,500), 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

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.2%-0% vs US avg
x
Vacancy Rate
20.6%+100% vs US avg
x
Broadband Access
48.5%-44% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
6.2%-52% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
43.3%-13% vs US avg
x
Mortgage-Free
64.6%+69% vs US avg
x
$79,500
Home Value
$309
Rent
1971
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached70.8%
  • 1-unit attached2.4%
  • 2-9 units9.4%
  • 10+ units2.1%
  • Mobile home & other15.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$79,500
Median rent$309
Owner-occupied65.2%
Vacant20.6%
Price-to-income2.1x
Est. income to buy$22,000