US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 28077
  5. Housing & Real Estate
High Shoals city, NC

ZIP 28077 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28077

Median Home Value
$130,700
Median Rent
$593
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$840/mo PITI).

23%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

18.4 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 28077 in High Shoals city, NC, a household would need roughly $36,000 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 $840. That is about 17% above the local median household income ($30,882), 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

Vacancy rate 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
34.4%-47% vs US avg
x
Vacancy Rate
23.8%+131% vs US avg
x
Broadband Access
77.9%-10% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
10.6%-17% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.5%-75% vs US avg
x
Mortgage-Free
45.2%+18% vs US avg
x
$130,700
Home Value
$593
Rent
1977
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached62.5%
  • 1-unit attached0.0%
  • 2-9 units27.5%
  • 10+ units10.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$130,700
Median rent$593
Owner-occupied34.4%
Vacant23.8%
Price-to-income4.2x
Est. income to buy$36,000