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Waxhaw town, NC

ZIP 28173 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28173

Median Home Value
$558,500
Median Rent
$1,418
Affordability Snapshot
$154,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,588/mo PITI).

12%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

32.8 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 28173 in Waxhaw town, NC, a household would need roughly $154,000 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 $3,588. That is roughly in line with the local median household income ($146,196). 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
89.4%+37% vs US avg
x
Vacancy Rate
4.1%-61% vs US avg
x
Broadband Access
96.6%+11% vs US avg
x
4+ Bedrooms
31.9%+115% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
4.6%-33% vs US avg
x
Rent Burden >30%
19.2%-61% vs US avg
x
Mortgage-Free
23.8%-38% vs US avg
x
$558,500
Home Value
$1,418
Rent
2005
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 detached91.6%
  • 1-unit attached2.7%
  • 2-9 units1.5%
  • 10+ units1.2%
  • Mobile home & other3.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$558,500
Median rent$1,418
Owner-occupied89.4%
Vacant4.1%
Price-to-income3.8x
Est. income to buy$154,000