Housing market/North Carolina/ZIP 28789
ZIP 28789 Whittier, Swain County, North Carolina
Swain County, NC · North Carolina. Census housing stock, renter economics, HUD SAFMR, LIHTC, and population change. Not a listing page and not a buy/sell score.
ZIP brief
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HUD schedule, ACS stock, and the 90–110% band for ZIP 28789 · NC — sent to you.
ZIP 28789 · NC
ACS rent vs 2BR SAFMR
ZIP 28789 — Whittier, NC HUD Section 8 Payment Standards / SAFMR →ACS median is all-bedroom occupied rent. SAFMR is the 2-bedroom HCV benchmark.
Housing stock
ACS 2023 units-in-structure · ZCTA 28789
- 1-unit detached2,63366.8%
- 1-unit attached511.3%
- 2–4 units451.1%
- Mobile1,21530.8%
2–4 unit share 1.1% · 5–49 unit share 0.0% · combined 2–49 1.1%.
Units by bedrooms
Rent burden
- ACS median gross rent $939 (all bedrooms, occupied rentals).
- Median contract rent $790.
- Renters paying ≥30% of income 39.7%; ≥50% 29.6%.
- FY2027 2BR SAFMR $1,220 (1.299× ACS median gross rent).
Population
6,347 residents · ACS 2023
Change versus the 2018 ACS 5-year estimate: +20.2%.
ACS 5-year estimates lag current construction. This is not a forecast.
Assisted inventory
- LIHTC: not published for this ZIP.
- HUD project-based assisted MF: not published for this ZIP.
- HCV household counts (Picture of Subsidized Households) are not on this page yet.
New apartment permits
About 0 new apartments in 5+ unit buildings may have been permitted in this ZIP’s share of the county. That is units (doors), not a building count.
Cities and counties report building permits to the Census. Apartment counts are for the whole county, not a project list in this ZIP.
What the data shows
ZIP 28789 35.7% of occupied households are renters; vacancy is 32.8%; ACS median gross rent is $939; population increased +20.2% between the 2018 and 2023 ACS vintages; the housing stock includes 45 units in 2–4-unit structures and 0 units in 5–49-unit structures; FY2027 2BR SAFMR is $1,220 versus ACS median gross rent of $939. These figures describe the underlying housing market, not the cash flow of any one property. Asking rents, expenses, condition, taxes, insurance, and the rent roll have to be underwritten separately.
North Carolina research
ZIP 28789 is a Census / HUD profile for Swain County, NC. Not a listing page. Brokerage is Georgia; out-of-state work is referral.
ZIP 28789 — Whittier, NC HUD Section 8 Payment Standards / SAFMR·North Carolina ZIP directory
Nearby ZIPs in this FMR area
Census ZIP areas approximate mail ZIPs. Sources: Census ACS 5-year 2023, HUD FY2027 Small Area FMR, HUD LIHTC and assisted multifamily lists, Census building permits (county). This page is North Carolina research. Brokerage is Georgia.
FAQ
What is the housing market like in ZIP 28789?
ZIP 28789 (Swain County, NC) has 6,347 residents, 2,728 households, a renter share of 35.7%, median household income of $46,026, and ACS 2023 median gross rent of $939. Vacancy is 32.8%. These are ZCTA estimates, not a property rent roll.
How much small multifamily housing is in 28789?
ACS counts 37 units in 2-unit buildings, 8 in 3–4 unit buildings, 0 in 5–9, 0 in 10–19, and 0 in 20–49. Combined 2–49 unit stock is 45 units. This is occupied-and-vacant stock, not listings for sale.
What is the Section 8 rent in 28789?
The Housing Choice Voucher benchmark is the FY2027 Small Area FMR. 2-bedroom SAFMR is $1,220. See the full schedule and 90–110% payment-standard band on the ZIP 28789 — Whittier, NC HUD Section 8 Payment Standards / SAFMR.
Does this North Carolina ZIP profile include Georgia listings?
No. ZIP 28789 is Census / HUD research for Swain County, NC. Jeff Crowe CRE does not list North Carolina property. Licensed brokerage is Georgia. If you use this stock table and then buy in Georgia, live FMLS Residential Income is on multifamily for sale in Georgia.