Saint Pauls, NC—28384
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Pauls, NC
As of Oct '25, the median home price in Saint Pauls, NC is $140,000, with a year-over-year change of -2.8%. This indicates that home prices in Saint Pauls, NC are decreasing. According to Zillow, the 1-year price projection is 0.5%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $140,000 | -2.8% |
| Single Family | $140,000 | -2.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $77,000 | -7.2% |
3 Bed | $155,000 | -0.6% |
4 Bed | $262,000 | 2.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saint Pauls, NC
As of July '25, Rentcast reports the average rent in Saint Pauls, NC is $1,150, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Saint Pauls, NC is 2-bedrooms: $1,000, 3-bedrooms: $1,050, 4-bedrooms: $1,500. The most common rental property sizes in Saint Pauls, NC are 2-bedroom and 3-bedroom, accounting for 41.9% and 33.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,000 | $1,150 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,000 | $1,000 |
| 3 Bed Rent | $900 | $1,050 |
| 4 Bed Rent | $1,500 | $1,500 |
% of Rental Stock
Property Listings — Saint Pauls, NC
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Pauls, NC is 87. This is a decrease of -36.0% 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 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $281,000 | 5.0% |
Listing Count | 16 | -14.0% |
| Listings as % of Homes | 0.8% | -14.0% |
Days on Market | 87 | -36.0% |
Demographics — Saint Pauls, NC
As of the latest ACS Survey released in 2023, Saint Pauls, NC has a population of 11,200, which has remained stable by -0.3% over the past 5 years. Saint Pauls, NC is a popular place for families, as children make up 30.1% of the population. The area has a poorly educated workforce, with 12.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 11,200 | -0.3% |
% Under 18 | 30.1% | 27.0% |
% Seniors | 13.9% | -6.7% |
% WFH | 4.8% | 23.1% |
% w/ College Degree | 12.0% | 57.9% |
As of the latest ACS Survey released in 2023, Saint Pauls, NC is a predominantly white area, with 33.3% of the population identifying as white. The white population has shrunk by 8.0% in the last 5 years. The second most common race or ethnicity in Saint Pauls, NC is hispanic, making up 33.0% of the population. Foreign-born residents account for 13.4% of the population in Saint Pauls, NC, and this percentage has increased by 22.9% 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 | 33.3% | -8.0% |
% Black | 21.3% | 9.8% |
% Hispanic | 33.0% | 31.0% |
% Asian | 0.1% | -83.3% |
% Foreign Born | 13.4% | 22.9% |
Mortgage and Risk — Saint Pauls, NC
According to HUD data as of 2023, there were 130 mortgage originations in Saint Pauls, NC, of which 42.0% of loans were conventional mortgages. The average loan-to-value was 86.0%, with 72.0% above 90% LTV (very high). This implies large mortgage risk in Saint Pauls, NC. Investor activity is low, as 2.0% of loans were by investors. 5.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 130 |
% Conventional Loans | 42.0% |
% Government Loans | 58.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 5.0% |
Loan Activity
Rentals and Section 8 — Saint Pauls, NC
Saint Pauls, NC lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 53 |
Total Units Section 8 | 13 |
% Rentals under Section 8 | 1.9% |
% Occupied Section 8 | 80.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,010 |
| 2 Bedroom | $170 | $1,000 | $1,170 |
| 3 Bedroom | $690 | $900 | $1,590 |
| 4 Bedroom | $480 | $1,500 | $1,980 |
Affordability — Saint Pauls, NC
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.8 |
| Median Home Price | $140,000 |
| Median Household Income | $48,000 |