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ZIP 23328 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 23328

Median Home Value
$548,600
Median Rent
$1,384
Affordability Snapshot
$151,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,524/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

33.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 23328, a household would need roughly $151,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,524. That is about 21% above the local median household income ($125,174), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.0%+12% vs US avg
x
Vacancy Rate
2.6%-75% vs US avg
x
Broadband Access
98.9%+14% vs US avg
x
4+ Bedrooms
26.4%+79% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
3.6%-48% vs US avg
x
Rent Burden >30%
12.5%-75% vs US avg
x
Mortgage-Free
16.0%-58% vs US avg
x
$548,600
Home Value
$1,384
Rent
2007
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached77.2%
  • 1-unit attached4.1%
  • 2-9 units10.3%
  • 10+ units8.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$548,600
Median rent$1,384
Owner-occupied73.0%
Vacant2.6%
Price-to-income4.4x
Est. income to buy$151,000