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Market MapNorth CarolinaStanly

Stanly County

North CarolinaPopulation: 62,723
64
/100
Hold
#0 of 0 counties
#14 in North Carolina (100 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated July 20, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$309,912
Median Home Price
0% below national median
$1,775/mo
Median Rent
0% below national median
6.87%
Rent-to-Price Ratio
Top 50% nationally
-$470
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Scenario comparison

Same $1,775/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.
ScenarioPurchase priceMonthly cash flowCap rateCash-on-cash
75% of median
value-add or distressed
$232,434-$64/mo6.0%-1.4%
Median
typical MLS deal
$309,912-$470/mo4.5%-7.9%
125% of median
newer / premium
$387,390-$876/mo3.6%-11.8%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$309,912
Down Payment (20%)$61,982
Loan Amount$247,930
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,775
Monthly P&I-$1,625
Est. Expenses (35%)-$621
Net Cash Flow-$470/mo
4.5%
Cap Rate (all cash)
-7.9%
Cash-on-Cash Return
6.87%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
64/100
64
Cash Flow(30%)
69/100

Based on 6.87% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
73/100

Based on 2.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
64/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$470/mo)
  • -Negative leverage (cap rate 4.5% < mortgage rate 6.9%)

Economic Indicators

Population
62,723
Median Income
—
Data pending
Unemployment Rate
—
Data pending
Price-to-Income
—
Data pending

Who this market fits

Best for
  • +All-cash buyers: removing debt service flips the cap rate to actual yield
Skip if
  • −You need positive cash flow on day one at typical leverage
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
PerquimansNC
68$264,692Est. pending—BuyView
DavidsonNC
65$264,061$1,4466.57%BuyView
CurrentStanlyNC
64$309,912$1,7756.87%Buy
CherokeeNC
62$274,117$1,6257.11%BuyView
CumberlandNC
61$227,591$1,4227.50%BuyView
SurryNC
60$220,321Est. pending—BuyView

The Bottom Line

HoldStanly scores well overall, but a typical leveraged buy-and-hold loses $470/mo at current rates. Consider house hacking, value-add, or all-cash; otherwise a worse score with positive cash flow may be the better deal.

Stanly County in North Carolina scores 64/100, ranking #0 of 0 US counties (top 50%). At 20% down and current rates, a median-priced rental loses about $470/month; the 6.87% gross rent-to-price ratio doesn't survive debt service. The thesis here is appreciation, value-add, house hacking, or all-cash.

Monthly Cash Flow
$-470/mo
Cap Rate
4.5%
Cash-on-Cash
-7.9%

Related markets

Markets like Stanly with stronger cash flow

  • Cumberland County for cash-flow rentals
  • Cherokee County for cash-flow rentals
  • Davidson County for cash-flow rentals

Cheaper alternatives to Stanly

  • Surry County, lower entry price
  • Cumberland County, lower entry price
  • Davidson County, lower entry price

Head-to-head comparisons

  • Stanly vs Davidson for rentals
  • Stanly vs Cherokee for rentals
  • Stanly vs Cumberland for rentals
All counties in North Carolina →

Rent vs buy in North Carolina cities

Rent vs buy in Charlotte, NCMedian $416,475 · rent $1,737/moRent vs buy in Raleigh, NCMedian $474,088 · rent $1,668/moRent vs buy in Greensboro, NCMedian $270,247 · rent $1,424/moRent vs buy in Durham, NCMedian $394,861 · rent $1,628/moRent vs buy in Winston-Salem, NCMedian $277,643 · rent $1,545/moAll North Carolina citiesFull rent-vs-buy directory for the state

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