Bear Creek, NC—27207
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Bear Creek, NC
As of Oct '25, the median home price in Bear Creek, NC is $286,000, with a year-over-year change of 0.2%. This indicates that home prices in Bear Creek, NC are flat. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $286,000 | 0.2% |
| Single Family | $285,000 | 0.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $324,000 | 0.3% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Bear Creek, NC
Bear Creek, NC lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,000 | $3,000 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $3,000 | $3,000 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Bear Creek, NC
As of Oct '25, Realtor.com reports that the median days on market for a home in Bear Creek, NC is 24. This is a decrease of -31.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 50.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $265,000 | -37.0% |
Listing Count | 4 | -8.0% |
| Listings as % of Homes | 0.3% | -8.0% |
Days on Market | 24 | -31.0% |
Demographics — Bear Creek, NC
As of the latest ACS Survey released in 2023, Bear Creek, NC has a population of 4,130, which has increased by 31.1% over the past 5 years. Bear Creek, NC is a moderately popular place for families, as children make up 16.5% of the population. The area has a moderately educated workforce, with 25.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,130 | 31.1% |
% Under 18 | 16.5% | 3.1% |
% Seniors | 24.6% | 8.8% |
% WFH | 7.4% | 335.3% |
% w/ College Degree | 25.4% | 50.3% |
As of the latest ACS Survey released in 2023, Bear Creek, NC is a predominantly white area, with 82.3% of the population identifying as white. The white population has shrunk by 2.8% in the last 5 years. The second most common race or ethnicity in Bear Creek, NC is black, making up 15.4% of the population. Foreign-born residents account for 0.9% of the population in Bear Creek, NC, and this percentage has decreased by 75.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 82.3% | -2.8% |
% Black | 15.4% | 25.2% |
% Hispanic | 1.6% | 77.8% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 0.9% | -75.0% |
Mortgage and Risk — Bear Creek, NC
According to HUD data as of 2023, there were 157 mortgage originations in Bear Creek, NC, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 24.0% above 90% LTV (very high). This implies large mortgage risk in Bear Creek, NC. Investor activity is low, as 1.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 157 |
% Conventional Loans | 84.0% |
% Government Loans | 16.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Bear Creek, NC
Bear Creek, NC lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 10 |
Total Units Section 8 | 10 |
% Rentals under Section 8 | 3.5% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,280 |
| 2 Bedroom | N/A | N/A | $1,470 |
| 3 Bedroom | -$1,150 | $3,000 | $1,850 |
| 4 Bedroom | N/A | N/A | $2,260 |
Affordability — Bear Creek, NC
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.8 |
| Median Home Price | $286,000 |
| Median Household Income | $68,200 |