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Old Fort town, NC

ZIP 28762 — 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 28762

Median Home Value
$176,300
Median Rent
$536
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,133/mo PITI).

12%
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.

27.4 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 28762 in Old Fort town, 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 $1,133. That is roughly in line with the local median household income ($52,269). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.4%+9% vs US avg
x
Vacancy Rate
15.6%+52% vs US avg
x
Broadband Access
76.0%-13% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
13.1%-74% vs US avg
x
Mortgage-Free
60.0%+57% vs US avg
x
$176,300
Home Value
$536
Rent
1978
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached68.1%
  • 1-unit attached1.0%
  • 2-9 units2.1%
  • 10+ units0.2%
  • Mobile home & other28.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$176,300
Median rent$536
Owner-occupied71.4%
Vacant15.6%
Price-to-income3.4x
Est. income to buy$49,000