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Elizabeth City city, NC

ZIP 27909 — 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 27909

Median Home Value
$223,400
Median Rent
$886
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,435/mo PITI).

17%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

21.0 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 27909 in Elizabeth City city, NC, a household would need roughly $61,000 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 $1,435. That is roughly in line with the local median household income ($64,039). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.1%-0% vs US avg
x
Vacancy Rate
12.3%+20% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
37.3%-2% vs US avg
x
$223,400
Home Value
$886
Rent
1988
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 detached69.2%
  • 1-unit attached2.7%
  • 2-9 units10.9%
  • 10+ units5.0%
  • Mobile home & other12.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$223,400
Median rent$886
Owner-occupied65.1%
Vacant12.3%
Price-to-income3.5x
Est. income to buy$61,000