Stem, NC · standard
ZIP Code 27581
Granville County, North Carolina — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,049
- 34/sq mi
- $59,492
- Median income
- $210,600
- Median home value
- 22.2%
- Bachelor's or higher
The verdict
Stem pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 28th pct
- household income, US ZIPs
- 47th pct
- home value, US ZIPs
- 34
- people per sq mi
- 89%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 27581 against every reporting US ZIP.
ZIP code 27581 is classified by USPS as a standard delivery area and covers roughly 88.9 square miles in Stem, Granville County, North Carolina. The area is home to 3,049 residents, producing a population density of 34 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 27581 against North Carolina and the nation.
On the economic side, the median household income for ZIP 27581 sits at $59,492 (14% below the North Carolina average), while per-capita income is $34,371. The poverty rate stands at 8.3% and the unemployment rate at 1.7%. On housing, the median home value is $210,600 (19% below the state average) with median rent at $1,096 per month, and 89.2% of occupied units are owner-occupied, a direct signal of whether 27581 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 22.2% of adults hold a bachelor's degree or higher, the median age is 35.9, and the average commute is 30 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Granville County, so you can benchmark 27581 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 27581
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 27581.
- Construction
Construction
8 establishments
- Retail trade
Retail trade
4 establishments
- Transportation and warehousing
Transportation and warehousing
4 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
4 establishments
- Other services (except public administration)
Other services (except public administration)
4 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 27581, Stem, NC · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
3,049
Population
88.9
Area (sq mi)
34
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 27581?
35.9
Median Age
49.6%
Male
50.4%
Female
4.7%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$59,492
Median Household Income
-14% vs state
$34,371
Per Capita Income
8.3%
Poverty Rate
1.7%
Unemployment Rate
29.8 min
Mean Commute Time
How ZIP 27581 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$59,492 28th percentile higher than 28% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
1,514
Total Housing Units
1,421
Occupied Units
93
Vacant Units
2.72
Avg Household Size
Occupancy Type
$210,600
Median Home Value
-19% vs state
$1,096
Median Rent
2003
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
-0.7%
YoY Change (2024)
231
HPI Index (2000 = 100)
+131%
Total Change Since 2000
Home values in ZIP 27581 have decreased 0.7% over the past year (2024). Since 2000, this ZIP has seen +131% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.7% | 135 |
| 2021 | +7.0% | 144 |
| 2022 | +35.2% | 195 |
| 2023 | +19.4% | 232 |
| 2024 | -0.7% | 231 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 31 business establishments in ZIP 27581, employing approximately 119 people with a combined annual payroll of $5,220,000.
31
Businesses
119
Employees
$5.2M
Annual Payroll
6
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 8 | 25.8% |
| Retail trade | 4 | 12.9% |
| Transportation and warehousing | 4 | 12.9% |
| Professional, scientific, and technical services | 4 | 12.9% |
| Other services (except public administration) | 4 | 12.9% |
| Administrative and support and waste management and remediation services | 3 | 9.7% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 27581 vs 27509 →
ZIP 27581 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 27522
Creedmoor (27522)
12,335 residents
- 27509
Butner (27509)
10,167 residents
- 27503 3,471
Bahama (27503)
3,471 residents
- 27581 3,049
Stem (27581)
3,049 residents
What this shows Among its immediate neighbors, ZIP 27581 ranks #4 by population — useful context the national average alone can't give.
ZIP 27581 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 27503
Bahama (27503)
$114,425 median income
- 27522
Creedmoor (27522)
$77,094 median income
- 27509
Butner (27509)
$73,136 median income
- 27581
Stem (27581)
$59,492 median income
What this shows By household income, ZIP 27581 ranks #4 of 4 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
More ZIP Codes in Granville County
Related Areas
Frequently Asked Questions
What county is ZIP code 27581 in? ▼
What is the population of ZIP code 27581? ▼
What is the median household income in ZIP 27581? ▼
What is the average home value in ZIP 27581? ▼
What is the demographic makeup of ZIP 27581? ▼
How many businesses are in ZIP code 27581? ▼
What are the main industries in ZIP code 27581? ▼
How have home values changed in ZIP code 27581? ▼
What is the education level in ZIP code 27581? ▼
What is the average commute time in ZIP 27581? ▼
What percentage of residents own vs. rent in ZIP 27581? ▼
What is the poverty rate in ZIP code 27581? ▼
ZIP Code Research Guides
Official Data Resources for Stem, NC
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.