Real Estate Investing in Fayetteville, North Carolina (28395)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Cumberland County • Population: 2,524 • Data updated: September 2026

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Should you buy in 28395 (Fayetteville, NC)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (65/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 15.5% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Fayetteville, NC (28395)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $300,975
Avg Monthly Rent $1,035
1% Rule ✗ Does Not Meet
Median Income $80,952
% Renters 17.3%

Market Analysis: 28395 Fayetteville

On balance, ZIP 28395 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $301K median. It rewards specialists, not generalists.

Rent of $1,035/mo on a $301K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 28395 sits below the stated 0.0% once reality is priced in.

Regionally, 28395 sits on the difficult end of the NC spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 28395 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Experienced landlords with local relationships tend to find 28395 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Fayetteville:

B Good
Buy Confidence Score: 72/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Rising (+18.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,035/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Fayetteville, NC Metro Area
More inventory, negotiating room for buyers
53 days
Average time to sell
Average
10.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Fayetteville, NC metro data
🏠

Property Strategy for 28395

Which property type performs best in this market?

Best for Cash Flow
3BR
4.4% cap rate
Best for Appreciation
4BR
+7.4% 5yr CAGR
Best Overall Value
3BR
$83,084/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $249,252 $1,530 4.4% +7.1% $83,084
4BR $392,056 $1,900 3.5% +7.4% $98,014

Market Trends

Home Value History (with trend line)

$324K$275K$226K$177K$128K$80KJul 2006Jul 2016Jul 2026

📊 How Does 28395 Compare?

Metric 28395 Fayetteville Fayetteville, NC North Carolina
Home Value $300,975 $196,250 N/A $330,565
5-Year CAGR 8.5% 6.9% N/A 7.8%
Avg Rent $1,035 $1,327 N/A -
Cap Rate 2.7% 4.6% - -
💡 Why Invest in 28395? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 28395 (Fayetteville, NC). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+8.5%
Strong

📉 Market Crash Risk Index

Based on Fayetteville, NC metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
42%
Days Pending
1/2
53 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $300,975
Monthly Rent $1,035
Price-to-Rent 24.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 11.2%

📈 Home Appreciation

1-Year +18.3% ▲
3-Year CAGR +7.2% ▲
5-Year CAGR +8.5% ▲
10-Year CAGR +8.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
15.5%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+8.5%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 28395

Population: 2,524

💰 Median Household Income
$80,952
This area
$80,952
State
$63,256
USA
$74,580
🏠 Renter Occupied
17.3%
This area
17.3%
State
27.8%
USA
34.0%
💼 Unemployment Rate
2.1%
This area
2.1%
State
-19.3%
USA
3.7%
🎓 College Educated
21.4%
This area
21.4%
State
0.5%
USA
33.7%
👤 Median Age
39.6 years
This area
39.6 years
State
6.5 years
USA
38.9 years
🏚️ Vacancy Rate
15.5%
This area
15.5%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 72.1%
Other/Mixed 14.4%
Black/African American 13.2%
Hispanic/Latino 7.4%
Asian 0.3%
👶 Under 18
25.6%
This area
25.6%
USA
22.0%
👴 65 and Over
12.4%
This area
12.4%
USA
17.3%
📊 Poverty Rate
3.3%
This area
3.3%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 28395

B+ Avg School Grade
1 Schools
14.4:1 Avg Class Size
$12,982 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

District No 7 Elementary

📚 Pre-K – 05 Elementary
👥
230 Students
👨‍🏫
14.4:1 Class Size
💰
$12,982 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 3,650 Off-Campus Students
C
Methodist University
1,768 students · 7.7 mi
C
Miller-Motte College-Fayetteville
169 students · 8.3 mi
C+
Fayetteville State University
6,847 students · 9.7 mi
C
Fayetteville Technical Community College
10,877 students · 11.6 mi
C
Heritage Bible College
33 students · 12.5 mi
D
Carolina College of Biblical Studies
173 students · 12.8 mi
C
Paul Mitchell the School-Fayetteville
179 students · 13.2 mi
C
Manna University
230 students · 13.7 mi

Investor Insight: With 3,650 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What are home prices like in Fayetteville, NC?

Median home price in Fayetteville, NC is near $301K, with a 5-year CAGR of 0.0%. Prices have been measured and supportive of buy-and-hold strategies.

Can owner-occupants cash flow in Fayetteville, NC?

Fayetteville, NC is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $301K price point reasonable to enter.

How high is vacancy risk in Fayetteville, NC?

Vacancy risk in Fayetteville, NC is elevated. That supports reliable cash flow for typical rental holds.

Is Fayetteville, NC good for landlords?

For rental operators, Fayetteville, NC rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

What kind of market is Fayetteville, NC for investors?

Investors tracking Fayetteville, NC will find a 3.0/5 rating supported by $301K median home values and $1,035/mo rents. That profile suits long-term holders targeting even-keeled returns.

You know 28395 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 28395 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 28395 ranks in Fayetteville, NC

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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