ZIP 27958 vs ZIP 27964

27958 is one of 15 ZIP codes that lie mostly in Currituck County, NC.

Shaded by typical home value, it ranks 3 of the 15 with a value.

2 school locations in 27958: 1 elementary, 1 middle.

In alphabetical order: Moyock Elementary, Moyock Middle. Locations only — no ratings are shown here.

27964 is one of 15 ZIP codes that lie mostly in Currituck County, NC.

Shaded by typical home value, it ranks 4 of the 15 with a value.

In January 2000 the typical home in 27958 was worth $170,167.

Values peaked at $497,729 in August 2026. The latest reading is the peak.

As of August 2026: $497,729, +1.8% over twelve months.

Start with the typical home: $497,729. Put 20% down and borrow $398,183 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,757 a month in principal and interest.

The median household here earns $109,634 a year, $9,136 a month. So the payment takes 30.2% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.3% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,019.

In December 2020, with rates at 2.68%, it was $1,114.

By August 2026, at 6.67%, it was $2,561 — +130% since December 2020, while the home's value moved +45%.

Reported values rose +192% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $335,842. So the real change is +48%, not +192%.

27958: +193% since January 2000.

Currituck County: +216% since January 2000.

North Carolina: +156% since January 2000 — 27958 ran ahead of it by 36 points.

Owning the typical home costs about $3,255 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,900 a month.

Price divided by a year's rent: 14.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In February 2016 the typical home in 27964 was worth $214,217.

Values peaked at $479,692 in August 2026. The latest reading is the peak.

As of August 2026: $479,692, +4.0% over twelve months.

Start with the typical home: $479,692. Put 20% down and borrow $383,754 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,657 a month in principal and interest.

The median household here earns $70,380 a year, $5,865 a month. So the payment takes 45.3% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 20.2% in 2016.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2016 (3.66%) the payment was $785.

In December 2020, with rates at 2.68%, it was $919.

By August 2026, at 6.67%, it was $2,468 — +168% since December 2020, while the home's value moved +69%.

Reported values rose +124% since February 2016.

General prices (CPI-U) rose +41% over the same span.

Divide one by the other: in August 2026 dollars, the 2016 home was worth $301,583. So the real change is +59%, not +124%.

27964: +124% since February 2016.

Currituck County: +76% since February 2016.

North Carolina: +96% since February 2016 — 27964 ran ahead of it by 28 points.

Owning the typical home costs about $3,137 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,162 a month.

Price divided by a year's rent: 34.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 32 a month (Redfin, 3-month rolling data through August 2026). That is 125% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 106.

Going out — closed sales: about 51 a month.

The ladder: homes for sale ÷ monthly sales = 2.1 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 19 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 51 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 24 — so sales ran at 213% of it, and below it in 0 of the last 24 months.

Across Currituck County, builders pulled permits for 325 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 3 of the last 24 months.

Across Currituck County, builders pulled permits for 325 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Currituck County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 631 moved in. Among the ten receiving the most, 446 moved out.

Net across those counties: +185 households. Beside it, homes for sale in this ZIP: 106 in June 2026.

Most arrivals came from Virginia Beach, VA (194 households); most departures went to Chesapeake, VA (91).

This ZIP sits in Currituck County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 631 moved in. Among the ten receiving the most, 446 moved out.

Net across those counties: +185 households. Beside it, homes for sale in this ZIP: 1 in June 2026.

Most arrivals came from Virginia Beach, VA (194 households); most departures went to Chesapeake, VA (91).