Lotvox market story

ZIP 27910

Hertford County, NC

What homes are worth, what they cost to carry, how fast they sell — one step at a time.

Typical home value
$110,452
12-month change
+3.2%
Months of supply
9.0

This week since 2026-10-08: Months of supply 9.0 (was 9.5) · Payment share of income 16.7% (was 16.5%)

1 of 5

Who's going to sell in 27910 this year?

Lotvox Turnover Index

Ranking every home in 27910 by how likely it is to sell

Lotvox Turnover Index
Not yet live
Source: County assessor and recorder public records; Lotvox analysis (calculations on the sources above) · accuracy by ZIP · methodology

The Lotvox Turnover Index isn't offered for 27910 yet.

Where

27910 in Hertford County, NC

27818 · no value published27855 · $130,98027910 · $110,45227922 · no value published27942 · no value published27986 · no value published 27910
$110K$131K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

27910 is one of 6 ZIP codes that lie mostly in Hertford County, NC — 70% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 2 with a value.

Value rank in county
2 of 2

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

Local life

Schools in 27910

4 school locations in 27910: 2 elementary, 1 high, 1 other.

In alphabetical order: Ahoskie Elementary, Bearfield Primary, Hertford Co Early College, Hertford County High. Locations only — no ratings are shown here.

School locations
4

Source: U.S. Department of Education, National Center for Education Statistics (school locations)

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What it costs

Home values

What homes are worth in 27910

$0$50K$100K$150K201020132016201920222025Peak June 2024 · $121,105Latest · $110,452
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In June 2009 the typical home in 27910 was worth $83,618.

Values peaked at $121,105 in June 2024. The latest reading is −8.8% from that peak.

As of August 2026: $110,452, +3.2% over twelve months.

Typical home value
$110,452
12-month change
+3.2%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$110,452
Loan at 20% down
$88,362
30-year fixed rate
7.40%
Monthly principal + interest
$612
Median household income, per month
$3,663
Share of income
16.7%
0%30%60%
At today's rate, by home value, 2009–2026: 12.6% → 16.7%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Start with the typical home: $110,452. Put 20% down and borrow $88,362 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $612 a month in principal and interest.

The median household here earns $43,950 a year, $3,663 a month. So the payment takes 16.7% of income — rated “affordable” (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 12.6% in 2009.

Payment share of income
16.7%
Monthly P&I
$612

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Lotvox lens

The payment, at each month's rate

$0$200$400$600$8002010201320162019202220252.68% rate · $3116.67% rate · $568
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in June 2009 (5.42%) the payment was $376.

In December 2020, with rates at 2.68%, it was $311.

By August 2026, at 6.67%, it was $568 — +83% since December 2020, while the home's value moved +15%.

Payment change since 2020
+83%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

Home value after inflation

$0$50K$100K$150K201020132016201920222025
Home value (as reported)Prices in general (CPI-U), scaled to June 2009Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Reported values rose +32% since June 2009.

General prices (CPI-U) rose +56% over the same span.

Divide one by the other: in August 2026 dollars, the 2009 home was worth $130,078. So the real change is −15%, not +32%.

Real change since 2009
−15%

Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Home values

27910 against its neighbors

50100150200250201020132016201920222025
27910 (2009 = 100)Hertford County (2009 = 100)North Carolina (2009 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

27910: +32% since June 2009.

Hertford County: +28% since June 2009.

North Carolina: +100% since June 2009 — 27910 ran behind it by 68 points.

Change since 2009
+32%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

Rent or own

Own: payment + 1.2%/yr taxes & insurance
$722
principal + interest $612 · taxes & insurance est. $110
Rent: typical rent (ZORI)
$817
Price-to-rent ratio
11.3
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

Owning the typical home costs about $722 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $817 a month.

Price divided by a year's rent: 11.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
11.3

Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

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What's moving

Housing pulse

Listings Flow Ladder

per month / homes for sale2024-092026-08balanced 4–6 mo9.0 mo9.0 months of supplyNet +5 / month · inventory growing
New listings / monthHomes for saleClosed sales / monthBasin water level = months of supply
Source: Redfin · Lotvox · as of 2026-08-31Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

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 9 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 33.

Going out — closed sales: about 4 a month.

The ladder: homes for sale ÷ monthly sales = 9.0 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Months of supply
9.0

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Housing pulse

Sales pace vs. normal

024620252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 80% of it, and below it in 10 of the last 24 months.

Sales vs 2015–19 level
80%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

New supply

Homes being permitted

051015202213202332024320253
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

Across Hertford County, builders pulled permits for 3 new homes in 2025.

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

Units permitted 2025
3

Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

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Who's holding, who's leaving

Housing pulse

Migration and inventory

Moved in (top-10 origin counties)
199
Moved out (top-10 destination counties)
182
Net households
+17
Top origins
Bertie, NC78
Northampton, NC50
Gates, NC30
Top destinations
Bertie, NC68
Pitt, NC44
Northampton, NC36
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

This ZIP sits in Hertford County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 199 moved in. Among the ten receiving the most, 182 moved out.

Net across those counties: +17 households. Beside it, homes for sale in this ZIP: 33 in June 2026.

Most arrivals came from Bertie, NC (78 households); most departures went to Bertie, NC (68).

Net households (top-10 flows)
+17

Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

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What to do

Own a home here?What's my home worth?Enter your address for a county-record value range. Buying?Compare 27910 with 27855The same story, side by side. An agent?See where the index is livethe farm territory and this page's sponsor spot.

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