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St. Pauls town, NC

ZIP 28384 — 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 28384

Median Home Value
$92,500
Median Rent
$555
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$594/mo PITI).

14%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.9 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 28384 in St. Pauls town, NC, a household would need roughly $25,000 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 $594. That sits below the local median household income ($48,045), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.8%+10% vs US avg
x
Vacancy Rate
13.2%+28% vs US avg
x
Broadband Access
80.3%-8% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
21.0%-58% vs US avg
x
Mortgage-Free
57.9%+51% vs US avg
x
$92,500
Home Value
$555
Rent
1988
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached46.1%
  • 1-unit attached0.2%
  • 2-9 units4.1%
  • 10+ units1.2%
  • Mobile home & other48.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$92,500
Median rent$555
Owner-occupied71.8%
Vacant13.2%
Price-to-income1.9x
Est. income to buy$25,000