Stony Point, NC—28678
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Stony Point, NC
As of Oct '25, the median home price in Stony Point, NC is $260,000, with a year-over-year change of 3.0%. This indicates that home prices in Stony Point, NC are increasing. According to Zillow, the 1-year price projection is 2.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $260,000 | 3.0% |
| Single Family | $261,000 | 3.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $196,000 | 1.6% |
3 Bed | $295,000 | 4.2% |
4 Bed | $404,000 | 4.9% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Stony Point, NC
Stony Point, NC lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,080 | $1,080 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,080 | $1,080 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Stony Point, NC
As of Oct '25, Realtor.com reports that the median days on market for a home in Stony Point, NC is 64. This is a increase of 19.0% 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 17.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $280,000 | -10.0% |
Listing Count | 24 | 76.0% |
| Listings as % of Homes | 0.1% | 76.0% |
Days on Market | 64 | 19.0% |
Demographics — Stony Point, NC
As of the latest ACS Survey released in 2023, Stony Point, NC has a population of 4,700, which has decreased by -28.5% over the past 5 years. Stony Point, NC is a popular place for families, as children make up 25.1% of the population. The area has a poorly educated workforce, with 14.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,700 | -28.5% |
% Under 18 | 25.1% | 20.1% |
% Seniors | 22.8% | 55.1% |
% WFH | 5.3% | -10.2% |
% w/ College Degree | 14.6% | -17.5% |
As of the latest ACS Survey released in 2023, Stony Point, NC is a predominantly white area, with 79.5% of the population identifying as white. The white population has shrunk by 6.2% in the last 5 years. The second most common race or ethnicity in Stony Point, NC is hispanic, making up 13.6% of the population. Foreign-born residents account for 5.3% of the population in Stony Point, NC, and this percentage has decreased by 8.6% 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 | 79.5% | -6.2% |
% Black | 4.6% | 155.6% |
% Hispanic | 13.6% | 34.7% |
% Asian | 0.4% | ∞% |
% Foreign Born | 5.3% | -8.6% |
Mortgage and Risk — Stony Point, NC
According to HUD data as of 2023, there were 75 mortgage originations in Stony Point, NC, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Stony Point, NC. Investor activity is low, as 1.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 75 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 1.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Stony Point, NC
Stony Point, NC lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 8 |
Total Units Section 8 | 8 |
% Rentals under Section 8 | 5.2% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,130 |
| 2 Bedroom | $230 | $1,080 | $1,310 |
| 3 Bedroom | N/A | N/A | $1,740 |
| 4 Bedroom | N/A | N/A | $2,090 |
Affordability — Stony Point, NC
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.3 |
| Median Home Price | $260,000 |
| Median Household Income | $70,900 |