Mountain Home, NC population, income and ZIP codes

Mountain Home CDP is a small town in North Carolina, with 3,518 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #232 of 777 ranked by population — larger than 70% of them. The median age here is 52.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Mountain Home CDP earn a median of $68,750 a year, 12.5% below the national figure of $78,538 and 12% above the $61,228 median for the 459 North Carolina cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 13.3% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Mountain Home CDP is valued at $353,200, 16.4% above the national figure and 61% above the $219,800 peer median, while median gross rent runs $1,208 a month, 14.1% below the national figure, or roughly $14,496 across a full year. A household on the local median income would put about 21.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 5.1×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 66.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 52.4 puts Mountain Home CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.