US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 28164
  5. Housing & Real Estate
Lowesville CDP, NC

ZIP 28164 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28164

Median Home Value
$268,800
Median Rent
$878
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,727/mo PITI).

13%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

25.5 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 28164 in Lowesville CDP, NC, a household would need roughly $74,000 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 $1,727. That sits below the local median household income ($82,661), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
83.4%+27% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
41.5%+9% vs US avg
x
$268,800
Home Value
$878
Rent
1990
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached82.1%
  • 1-unit attached1.4%
  • 2-9 units2.8%
  • 10+ units0.4%
  • Mobile home & other13.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$268,800
Median rent$878
Owner-occupied83.4%
Vacant5.0%
Price-to-income3.3x
Est. income to buy$74,000