ZIP Code Tabulation Area

27581

Stem, NC · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
3,880
Median household income
$59,492
People below poverty
8.3%
Median home value
$210,600

Income

The median income of households in 27581 was $59,492. An estimated 0.1% of households had income below $10,000 a year and 9.5% had income of $200,000 or more.

Household Income in 27581 in 2020-2024

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Percent
Less than $10,000 0.1
$10,000 to $14,999 1.5
$15,000 to $24,999 5.1
$25,000 to $34,999 12.4
$35,000 to $49,999 16.3
$50,000 to $74,999 23.2
$75,000 to $99,999 9.4
$100,000 to $149,999 15.3
$150,000 to $199,999 7.2
$200,000 or more 9.5

Median Earnings for Full-Time Year-Round Workers by Sex in 27581 in 2020-2024

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Dollars
Male 61250
Female 48676

An estimated 84% of households received earnings. An estimated 36.4% of households received Social Security and an estimated 25.6 % of households received retirement income other than Social Security. The average income from Social Security was $24,275. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 27581 in 2020-2024

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Percent
Earnings 84
Social Security 36.4
Retirement income 25.6
Supplemental Security Income (SSI) 7
Cash public assistance income 2

Poverty and Participation in Government Programs

In 2020-2024, 8.3 % of people were in poverty. An estimated 10.2% of children under 18 were below the poverty level, compared with 3.6% of people 65 years old and over. An estimated 8.7% of people 18 to 64 years were below the poverty level.

Poverty Rates in 27581 in 2020-2024

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Percent
People in poverty 8.3
Children under 18 years below poverty 10.2
People 65 years old and over below poverty 3.6
People 18 to 64 years below poverty 8.7

In 2020-2024, 8.9 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 74.6% of households that received SNAP had children under 18, and 0% of households that received SNAP had one or more people 60 years and over. An estimated 83.3% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 27581 in 2020-2024, 92.4% had health insurance coverage and 7.6% did not have health insurance coverage. Private coverage was 57% and public coverage was 45%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 0.6%.


In 2020-2024, 27581 had a total population of 3,880 - 1,957 (50.4%) females and 1,923 (49.6%) males. The median age was 35.9 years. An estimated 26.3% of the population was under 18 years, 29.3% was 19 to 44 years, 24.9% was 45 to 64 years, and 15.1 % was 65 years and older.

Population by Age and Sex for 27581 in 2020-2024

Male Female
Under 5 204 112
5 to 9 153 29
10 to 14 184 138
15 to 19 241 131
20 to 24 74 166
25 to 29 61 187
30 to 34 115 101
35 to 39 90 187
40 to 44 70 84
45 to 49 87 94
50 to 54 176 248
55 to 59 161 45
60 to 64 31 126
65 to 69 132 64
70 to 74 77 95
75 to 79 48 60
80 to 84 19 29
85 and over 0 61

Hispanic Origin and Race

For people reporting one race alone, 68.8% were White; 16.3% were Black or African American; 14.9% were American Indian and Alaska Native; 0.3% were Asian; 8.9% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 10.4% reported Two or More Races. An estimated 11.2% of the people in 27581 were Hispanic or Latino. An estimated 68.5% of the people in 27581 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 1,421 households in 27581. The average household size was 2.72 people.

Married-couple households made up 55.5% of the households in 27581 while cohabiting couple households made up 6.5% of households. Female householders with no spouse or partner present were 26.8% of all households, while 11.2% of households had male householders with no spouse or partner present. Some households had one person, as 8.2% of households were male householders living alone, and 7.7% were female householders living alone, for a total of 15.9% of all households.

In 27581, 32.8% of all households had one or more people under the age of 18; 29.6% of all households had one or more people 65 years and over.

Types of Households in 27581 in 2020-2024

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Percent
Married-couple households 55.5
Cohabiting Couples 6.5
Male Householder
No spouse/partner present
11.2
Female Householder
No spouse/partner present
26.8

Marital Status

Among persons 15 and older, 56.8% of males and 55.2% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 32 28.1
Now married, except separated 56.8 55.2
Separated 0.2 2.5
Widowed 1.5 9.9
Divorced 9.5 4.3

Grandparents and Grandchildren

In 27581, 79 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 29.1% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 95.3% of the people living in 27581 were U.S. natives. 65.3% of the 27581 population were living in the state where they were born.

Approximately 4.7% of 27581 residents in 2020-2024 were foreign-born. 18.2% of foreign-born were naturalized U.S. citizens and an estimated 27.1 % entered the country before the year 2010.

Foreign-born residents of 27581 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 27581.

Region of Birth for the Foreign-Born Population in 27581 in 2020-2024

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Percent
Latin America 85.6
Asia 5
Europe 7.7
Africa 0
Northern America 1.7
Oceania 0

Language

Among people at least five years old living in 27581 in 2020-2024, 6.1 % spoke a language other than English at home. Spanish was spoken by 5.8% of people at least five years old; 3.4% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 27581 in 2020-2024

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Percent
Spanish 5.8
Other Indo-European languages 0
Asian and Pacific Islander languages 0.3
Other languages 0

Geographic Mobility

In 2020-2024, 84.8 % of the people at least one year old living in 27581 were living in the same house one year earlier.

Geographic Mobility of Residents of 27581 in 2020-2024

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Percent
Same house 84.8
Different house, same county 10
Different county, same state 5.1
Different state 0.2
Abroad 0

Education

In 2020-2024, 92.8 % of people 25 years and over had at least graduated from high school and 22.2% had a bachelor's degree or higher. An estimated 7.2% did not complete high school.

The total school enrollment in 27581 was 1,004 in 2020-2024. Nursery school enrollment was 44 and kindergarten through 12th grade enrollment was 731. College or graduate school enrollment was 229.

Educational Attainment of People in 27581 in 2020-2024

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Percent
Less than high school diploma 7.2
High school diploma or equivalency 35.3
Some college, no degree 26.7
Associate's degree 8.6
Bachelor's degree 13.7
Graduate or professional degree 8.5

Disability

In 27581, among the civilian noninstitutionalized population in 2020-2024, 11.4 % reported a disability. The likelihood of having a disability varied by age - from 9.7% of people under 18 years old, to 9.7% of people 18 to 64 years old, and to 20.7% of those 65 and over.


Employment Status and Type of Employer

In 27581, 58.2 % of the population 16 and over were employed; 40.3% were not currently in the labor force.

An estimated 64% of the people employed were private wage and salary workers; 20.8% were federal, state, or local government workers; and 15.1 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 1,112 64
Federal, state, or local government workers 362 20.8
Self-employed workers in own not incorporated business 263 15.1

Industries

In 2020-2024, the civilian employed population 16 years and older in 27581 worked in the following industries:

Percent by Industry in 27581 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 2.9
Construction 7.1
Manufacturing 8.6
Wholesale trade 2.7
Retail trade 10
Transportation and warehousing, and utilities 7.7
Information 0.2
Finance and insurance, and real estate and rental and leasing 1.7
Professional, scientific, and management, and administrative and waste management services 12.6
Educational services, and health care and social assistance 26.1
Arts, entertainment, and recreation, and accommodation, and food services 5.9
Other Services, except public administration 7.6
Public administration 6.9

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 27581 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 513 29.5
Service occupations 373 21.5
Sales and office occupations 413 23.8
Natural resources, construction, and maintenance occupations 201 11.6
Production, transportation, and material moving occupations 237 13.6

Commuting to Work

An estimated 75.4% of 27581 workers drove to work alone in 2020-2024, and 12% carpooled. Among those who commuted to work, it took them on average 29.8 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 27581 in 2020-2024

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Percent
Car, truck, van -- drove alone 75.4
Car, truck, van -- carpooled 12
Public transportation (excluding taxicab) 0
Walked 0
Other means 0.2
Worked from home 12.4

In 2020-2024, 27581 had a total of 1,514 housing units. Of these housing units, 78.8% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 0% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 21.2% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 27581 in 2020-2024

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Percent
Single-family houses 78.8
Apartments in multi-unit structures 0
Mobile homes 21.2
Boat, RV, van, etc 0

32.1% of the housing inventory was comprised of houses built since 2010, while 1.9% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 27581 was 5.8 rooms, and of these housing units 80% had three or more bedrooms.


In 2020-2024, 27581 had 1,421 housing units that were occupied or had people living in them, while the remaining 93 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 89.2% while renters occupied 10.8%. The average household size of owner-occupied houses was 2.6 and in renter-occupied houses it was 3.71.

1.4% of householders of these occupied houses had moved into their house since 2021, while 16% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 0% and another 38.8% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 27581:

House Heating Fuel Used in 27581 in 2020-2024

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Percent
Gas 22
Electricity 67.3
Fuel oil, kerosene, etc 2.3
All other fuels 8.3
No fuel used 0.1

In 2020-2024, the median property value for owner-occupied houses in 27581 was $210,600.

Of the owner-occupied households, 48.5 % had a mortgage. 51.5% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,462 and for owners without a mortgage it was $517.

For renter-occupied houses, the median gross rent for 27581 was $1,096. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.