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Kannapolis city, NC

ZIP 28081 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28081

Median Home Value
$257,300
Median Rent
$848
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,653/mo PITI).

15%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

25.3 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 28081 in Kannapolis city, NC, a household would need roughly $71,000 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 $1,653. That is roughly in line with the local median household income ($69,167). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.7%+8% vs US avg
x
Vacancy Rate
10.2%-1% vs US avg
x
Broadband Access
89.2%+2% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
7.4%-42% vs US avg
x
Built Post-2014
4.8%-31% vs US avg
x
Rent Burden >30%
24.1%-52% vs US avg
x
Mortgage-Free
34.9%-9% vs US avg
x
$257,300
Home Value
$848
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached78.3%
  • 1-unit attached1.2%
  • 2-9 units7.8%
  • 10+ units3.0%
  • Mobile home & other9.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$257,300
Median rent$848
Owner-occupied70.7%
Vacant10.2%
Price-to-income3.7x
Est. income to buy$71,000