US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 28086
  5. Housing & Real Estate
Kings Mountain city, NC

ZIP 28086 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28086

Median Home Value
$181,600
Median Rent
$660
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,167/mo PITI).

14%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

22.9 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 28086 in Kings Mountain city, NC, a household would need roughly $50,000 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 $1,167. That sits below the local median household income ($56,079), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
73.8%+13% vs US avg
x
Vacancy Rate
8.0%-22% vs US avg
x
Broadband Access
79.2%-9% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
6.0%-54% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
26.5%-47% vs US avg
x
Mortgage-Free
50.5%+32% vs US avg
x
$181,600
Home Value
$660
Rent
1981
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached72.5%
  • 1-unit attached1.2%
  • 2-9 units8.1%
  • 10+ units1.5%
  • Mobile home & other16.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,600
Median rent$660
Owner-occupied73.8%
Vacant8.0%
Price-to-income3.2x
Est. income to buy$50,000