Estimated median household income in 2007: $39,038
| This zip code: | $39,038 | | North Carolina: | $44,670 |
Nearest zip codes: 28144, 28072, 28146, 27299, 28147, 28138.
Housing units in zip code 28159 with a mortgage: 374 (62 second mortgage, 46 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 292
Median monthly owner costs for units with a mortgage: $954
Median monthly owner costs for units without a mortgage: $360
Residents with income below the poverty level in 2007:
| This zip code: | 12.2% | | Whole state: | 14.3% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 3.2% | | Whole state: | 6.0% |
Median number of rooms in houses and condos:
| Here: | 6.0 | | State: | 5.9 |
Median number of rooms in apartments:
| Here: | 4.4 | | State: | 4.3 |
Year house built: |
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- 1999 to March 2000: 13
- 1995 to 1998: 49
- 1990 to 1994: 17
- 1980 to 1989: 91
- 1970 to 1979: 91
- 1960 to 1969: 131
- 1950 to 1959: 214
- 1940 to 1949: 163
- 1939 or earlier: 524
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Bedrooms in owner-occupied houses in Spencer, NC (28159): |
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- no bedroom: 0
- 1 bedrooms: 42
- 2 bedrooms: 244
- 3 bedrooms: 325
- 4 bedrooms: 80
- 5 or more bedrooms: 31
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 27
- 1 bedrooms: 111
- 2 bedrooms: 161
- 3 bedrooms: 95
- 4 bedrooms: 21
- 5 or more bedrooms: 38
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Vehicles available in 28159 zip code in owner-occupied houses/condos: |
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- no vehicle: 38
- 1 vehicle: 260
- 2 vehicles: 286
- 3 vehicles: 131
- 4 vehicles: 0
- 5 or more vehicles: 7
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 60
- 1 vehicle: 265
- 2 vehicles: 75
- 3 vehicles: 35
- 4 vehicles: 18
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 28159:
- Less than $10,000: 6
- $10,000 to $14,999: 3
- $35,000 to $39,999: 2
- $40,000 to $49,999: 9
- $50,000 to $59,999: 38
- $60,000 to $69,999: 29
- $70,000 to $79,999: 35
- $80,000 to $89,999: 48
- $90,000 to $99,999: 82
- $100,000 to $124,999: 179
- $125,000 to $149,999: 135
- $150,000 to $174,999: 60
- $175,000 to $199,999: 46
- $200,000 to $249,999: 36
- $250,000 to $299,999: 14
- $300,000 to $399,999: 3
- $400,000 to $499,999: 6
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Rent paid by renters in 2007 in zip code 28159:
- $150 to $199: 14
- $200 to $249: 14
- $250 to $299: 36
- $300 to $349: 49
- $350 to $399: 69
- $400 to $449: 30
- $450 to $499: 30
- $500 to $549: 56
- $550 to $599: 42
- $600 to $649: 25
- No cash rent: 78
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Median price asked for vacant for-sale houses and condos in 2007: $89,883.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $114,369
- Black or African American householders: $124,255
Estimated median house or condo value in 2007: $110,428 (it was $76,300 in 2000)
| 28159: | $110,428 | | North Carolina: | $145,700 |
Lower value quartile - upper value quartile: $79,116 - $153,516
Mean price in 2007:
Detached houses: $123,384| Here: | $123,384 | | State: | $217,106 |
In 2-unit structures: $51,911| Here: | $51,911 | | State: | $153,934 |
In 3-to-4-unit structures: $161,311| Here: | $161,311 | | State: | $163,212 |
Mobile homes: $26,875| Here: | $26,875 | | State: | $45,354 |
Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 1,056
- Two: 82
- 3 or 4: 32
- 5 to 9: 67
- 10 to 19: 4
- 20 to 49: 24
- 50 or more: 7
- Mobile homes: 21

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Means of transportation to work
- Drove a car alone: 943 (72%)
- Carpooled: 290 (22%)
- Bus or trolley bus: 20 (2%)
- Walked: 23 (2%)
- Other means: 14 (1%)
- Worked at home: 26 (2%)
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Travel time to work
- Less than 5 minutes: 52
- 5 to 9 minutes: 185
- 10 to 14 minutes: 315
- 15 to 19 minutes: 212
- 20 to 24 minutes: 152
- 25 to 29 minutes: 39
- 30 to 34 minutes: 111
- 35 to 39 minutes: 13
- 40 to 44 minutes: 95
- 45 to 59 minutes: 66
- 60 to 89 minutes: 9
- 90 or more minutes: 41
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Percentage of zip code residents living and working in this county: 77.0%
Household type by relationship
Households: 2,903
- In family households: 2,430 (500 male householders, 246 female householders)
620 spouses, 795 children (702 natural, 26 adopted, 67 stepchildren), 102 grandchildren, 30 brothers or sisters, 22 parents, 68 other relatives, 47 non-relatives
- In nonfamily households: 473 (197 male householders (160 living alone)), 221 female householders (215 living alone)), 55 nonrelatives
- In group quarters: 141 (107 institutionalized population)
Size of family households: 309 2-persons, 166 3-persons, 145 4-persons, 87 5-persons, 29 6-persons, 10 7-or-more-persons.
Size of nonfamily households: 375 1-person, 26 2-persons, 17 3-persons.
415 married couples with children.
222 single-parent households (40 men, 182 women).
88.1% of residents of 28159 zip code speak English at home.
10.0% of residents speak Spanish at home (43% very well, 4% well, 21% not well, 33% not at all).
1.2% of residents speak other Indo-European language at home (80% very well, 20% well).
0.3% of residents speak Asian or Pacific Island language at home (100% very well).
0.4% of residents speak other language at home (100% very well).
Foreign born population: 192 (6.3%)
(54.2% of them are naturalized citizens)
| This zip code: | 6.3% | | Whole state: | 5.3% |
Most common places of birth for the foreign-born residents:
- Mexico (66%)
- Honduras (22%)
- Guatemala (8%)
- Other Western Africa (5%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 129
- 1990 to 1994: 23
- 1985 to 1989: 40
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 0
- 1965 to 1969: 0
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White population: 2,105
Black population: 751
American Indian population: 11
Asian population: 16
Native Hawaiian and Other Pacific Islander population: 1
Some other race population: 117
Two or more races population: 54

First ancestries reported:
|  Other groups: 916 |
|  United States or American: 485 |
|  German: 386 |
|  English: 144 |
|  Scotch-Irish: 80 |
|  Irish: 69 |
|  Subsaharan African:: 69 |
|  African: 69 |
|  Scottish: 52 |
|  Italian: 34 |
|  French (except Basque): 14 |
|  Polish: 12 |
|  European: 10 |
|  Swedish: 10 |
|  Dutch: 7 |
|  Welsh: 6 |
|  British: 4 |

Facitilies with environmental interests located in this zip code:
- BRANDON CABINET & FIXTURE (612 N SALISBURY AVE in SPENCER, NC)
AIR MINOR (AIRS/AFS)
Business SIC classification: WOOD KITCHEN CABINETS
Median worth of mobile homes: $15,376
Housing units lacking complete plumbing facilities: 2%
Housing units lacking complete kitchen facilities: 2%
Most commonly used house heating fuel: |
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- Utility gas (68%)
- Electricity (17%)
- Fuel oil, kerosene, etc. (11%)
- Bottled, tank, or LP gas (3%)
- Wood (1%)
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Place of birth for U.S.-born residents:
- This state: 2123
- Northeast: 217
- Midwest: 82
- South: 381
- West: 40
53% of the 28159 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 59% lived in this county.
Out of people who lived in different counties, 47% lived in North Carolina.
Population in 1990: 4,083. Population change in the 1990s: -1,028 (-25.2%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 23
| Here: | 6.9% | | North Carolina: | 8.2% |
Students in private schools in grades 9 to 12 (high school): 0
| Here: | 0.0% | | North Carolina: | 6.9% |
Students in private undergraduate colleges: 28
| Here: | 29.5% | | North Carolina: | 20.2% |
School Enrollment by Level of School
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Companies with federal contracts located in this zip code:
- WALL INDUSTRIES INC (1615 N LEE ST in SPENCER, NC; small business): $171,801 in 4 contracts from 2003 to 2004
$93,471 with Navy for Miscellaneous Items. Taking place in VA. Signed on 2003-09-03. Completion date: 2003-10-29.
$38,325 with Navy for Fiber Rope, Cordage, and Twine. Signed on 2004-06-28. Completion date: 2004-08-26.
$34,180 with Navy for Special Service Vessels. Signed on 2003-03-11. Completion date: 2003-04-18.
$5,825 with Army for Converters, Electrical, Nonrotating. Signed on 2004-06-04. Completion date: 2004-08-06.
Top industries in this zip code by the number of employees in 2005:
- Health Care and Social Assistance: Nursing Care Facilities (50-99 employees: 1 establishment, 1-4 employees: 1 establishment)
- Accommodation and Food Services: Limited-Service Restaurants (20-49: 1, 5-9: 1, 1-4: 4)
- Health Care and Social Assistance: Continuing Care Retirement Communities (20-49: 1, 1-4: 1)
- Health Care and Social Assistance: Homes for the Elderly (20-49: 1)
- Accommodation and Food Services: Full-Service Restaurants (10-19: 1, 5-9: 1, 1-4: 2)
- Other Services (except Public Administration): Religious Organizations (5-9: 1, 1-4: 5)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
People in group quarters
- 107 people in nursing homes
- 30 people in other noninstitutional group quarters
- 4 people in other group homes
Fatal accident statistics in 2006
- Fatal accident count: 1
- Vehicles involved in fatal accidents: 3
- Fatal accidents caused by drunken drivers: 1
- Fatalities: 3
- Persons involved in fatal accidents: 6
- Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $82,783 | 44 | $81,840 | 116 | $87,793 | 1 | $2,830 | 41 | $78,854 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 12 | $66,982 | 10 | $82,642 | 0 | $0 | 5 | $53,586 |
| APPLICATIONS DENIED | 2 | $59,435 | 20 | $59,482 | 45 | $79,099 | 9 | $26,520 | 12 | $76,888 |
| APPLICATIONS WITHDRAWN | 1 | $72,640 | 7 | $73,586 | 21 | $80,863 | 0 | $0 | 2 | $50,470 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $77,360 | 6 | $78,617 | 0 | $0 | 1 | $67,920 |
Aggregated Statistics For Year 2002 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 11 | $88,079 | 38 | $80,934 | 83 | $75,324 | 1 | $4,720 | 28 | $66,341 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 17 | $63,319 | 15 | $75,032 | 0 | $0 | 2 | $114,150 |
| APPLICATIONS DENIED | 0 | $0 | 25 | $60,264 | 56 | $74,141 | 10 | $18,396 | 4 | $61,558 |
| APPLICATIONS WITHDRAWN | 1 | $72,640 | 8 | $64,034 | 22 | $75,986 | 1 | $75,470 | 1 | $46,230 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $35,850 | 5 | $75,094 | 0 | $0 | 1 | $35,850 |
Aggregated Statistics For Year 2001 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 8 | $77,713 | 50 | $71,604 | 69 | $76,306 | 8 | $52,713 | 26 | $59,906 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $89,620 | 8 | $58,726 | 14 | $80,189 | 1 | $30,190 | 1 | $66,980 |
| APPLICATIONS DENIED | 2 | $88,210 | 18 | $52,883 | 51 | $77,858 | 10 | $18,868 | 5 | $38,302 |
| APPLICATIONS WITHDRAWN | 4 | $75,943 | 10 | $73,302 | 26 | $77,323 | 3 | $13,523 | 5 | $53,586 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $61,320 | 4 | $91,983 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 8 | $66,510 | 36 | $79,114 | 36 | $75,551 | 13 | $37,518 | 0 | $0 | 10 | $101,887 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $40,095 | 3 | $68,240 | 17 | $68,535 | 6 | $12,893 | 0 | $0 | 1 | $83,960 |
| APPLICATIONS DENIED | 1 | $26,420 | 18 | $48,847 | 47 | $64,412 | 19 | $17,875 | 1 | $849,060 | 6 | $43,868 |
| APPLICATIONS WITHDRAWN | 2 | $46,700 | 8 | $48,703 | 25 | $65,246 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $72,170 | 9 | $76,730 | 0 | $0 | 0 | $0 | 1 | $117,930 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 8 | $69,706 | 23 | $68,961 | 42 | $61,078 | 5 | $11,360 | 18 | $60,162 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 6 | $81,675 | 14 | $67,091 | 3 | $11,890 | 4 | $59,730 |
| APPLICATIONS DENIED | 0 | $0 | 24 | $52,025 | 37 | $58,751 | 8 | $19,715 | 6 | $66,185 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 5 | $68,908 | 19 | $64,604 | 2 | $28,870 | 5 | $64,590 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $53,980 | 3 | $69,627 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
0507.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 11 | $78,131 | 18 | $90,671 | 3 | $58,177 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $91,510 | 8 | $81,133 | 0 | $0 |
| APPLICATIONS DENIED | 3 | $78,617 | 0 | $0 | 3 | $78,617 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $61,320 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 12 | $78,774 | 16 | $87,972 | 3 | $57,863 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $97,170 | 1 | $64,150 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $83,960 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $68,870 | 1 | $55,660 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $122,640 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 14 | $69,003 | 7 | $92,857 | 1 | $61,320 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $75,470 | 3 | $111,950 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 3 | $129,247 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 14 | $62,062 | 3 | $93,083 | 1 | $41,510 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $56,605 | 1 | $47,170 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $67,710 | 2 | $68,300 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $69,000 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
0507.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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