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Sylva town, NC

ZIP 28779 — 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 28779

Median Home Value
$234,200
Median Rent
$644
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,504/mo PITI).

14%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

30.3 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 28779 in Sylva town, NC, a household would need roughly $64,000 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 $1,504. That is about 18% above the local median household income ($54,407), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.6%+2% vs US avg
x
Vacancy Rate
15.4%+50% vs US avg
x
Broadband Access
79.7%-8% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
20.0%-60% vs US avg
x
Mortgage-Free
54.1%+42% vs US avg
x
$234,200
Home Value
$644
Rent
1985
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 detached70.8%
  • 1-unit attached0.9%
  • 2-9 units5.2%
  • 10+ units1.5%
  • Mobile home & other21.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$234,200
Median rent$644
Owner-occupied66.6%
Vacant15.4%
Price-to-income4.3x
Est. income to buy$64,000