Four Oaks, NC—27524
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Four Oaks, NC
As of Oct '25, the median home price in Four Oaks, NC is $296,000, with a year-over-year change of -2.5%. This indicates that home prices in Four Oaks, NC are decreasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $296,000 | -2.5% |
| Single Family | $296,000 | -2.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $186,000 | -5.6% |
3 Bed | $300,000 | -2.3% |
4 Bed | $410,000 | 0.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Four Oaks, NC
As of July '25, Rentcast reports the average rent in Four Oaks, NC is $1,900, with a year-over-year rent change of 8.6%. Per bedroom, the median rent as of July '25 in Four Oaks, NC is 2-bedrooms: $1,150, 3-bedrooms: $1,920, 4-bedrooms: $2,100. The most common rental property sizes in Four Oaks, NC are 3-bedroom and 2-bedroom, accounting for 52.8% and 33.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,040 | $1,900 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,000 | $1,150 |
| 3 Bed Rent | $1,900 | $1,920 |
| 4 Bed Rent | $2,040 | $2,100 |
% of Rental Stock
Property Listings — Four Oaks, NC
As of Oct '25, Realtor.com reports that the median days on market for a home in Four Oaks, NC is 76. This is a increase of 28.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $334,000 | -3.0% |
Listing Count | 122 | 8.0% |
| Listings as % of Homes | 1.2% | 8.0% |
Days on Market | 76 | 28.0% |
Demographics — Four Oaks, NC
As of the latest ACS Survey released in 2023, Four Oaks, NC has a population of 14,400, which has increased by 3.6% over the past 5 years. Four Oaks, NC is a moderately popular place for families, as children make up 23.8% of the population. The area has a poorly educated workforce, with 16.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,400 | 3.6% |
% Under 18 | 23.8% | -16.8% |
% Seniors | 13.0% | 20.4% |
% WFH | 7.9% | 139.4% |
% w/ College Degree | 16.5% | 2.5% |
As of the latest ACS Survey released in 2023, Four Oaks, NC is a predominantly white area, with 66.0% of the population identifying as white. The white population has shrunk by 9.7% in the last 5 years. The second most common race or ethnicity in Four Oaks, NC is hispanic, making up 19.5% of the population. Foreign-born residents account for 10.4% of the population in Four Oaks, NC, and this percentage has increased by 65.1% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 66.0% | -9.7% |
% Black | 12.0% | 1.7% |
% Hispanic | 19.5% | 48.9% |
% Asian | 0.7% | 75.0% |
% Foreign Born | 10.4% | 65.1% |
Mortgage and Risk — Four Oaks, NC
According to HUD data as of 2023, there were 392 mortgage originations in Four Oaks, NC, of which 68.0% of loans were conventional mortgages. The average loan-to-value was 71.0%, with 43.0% above 90% LTV (very high). This implies large mortgage risk in Four Oaks, NC. Investor activity is low, as 2.0% 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 | 392 |
% Conventional Loans | 68.0% |
% Government Loans | 32.0% |
% Investor Loans | 2.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Four Oaks, NC
Four Oaks, NC lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 88 |
Total Units Section 8 | 87 |
% Rentals under Section 8 | 5.9% |
% Occupied Section 8 | 92.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,320 |
| 2 Bedroom | $490 | $1,000 | $1,490 |
| 3 Bedroom | -$60 | $1,900 | $1,840 |
| 4 Bedroom | $400 | $2,040 | $2,440 |
Affordability — Four Oaks, NC
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.7 |
| Median Home Price | $296,000 |
| Median Household Income | $76,100 |