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Jacksonville city, NC

ZIP 28539 — 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 28539

Median Home Value
$207,200
Median Rent
$935
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,331/mo PITI).

18%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

18.5 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 28539 in Jacksonville city, NC, a household would need roughly $57,000 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 $1,331. That is roughly in line with the local median household income ($61,280). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.1%+12% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
4.3%-37% vs US avg
x
Rent Burden >30%
34.6%-30% vs US avg
x
Mortgage-Free
29.9%-22% vs US avg
x
$207,200
Home Value
$935
Rent
1999
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached76.8%
  • 1-unit attached3.3%
  • 2-9 units1.1%
  • 10+ units0.0%
  • Mobile home & other18.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$207,200
Median rent$935
Owner-occupied73.1%
Vacant10.6%
Price-to-income3.4x
Est. income to buy$57,000