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Hamlet city, NC

ZIP 28345 — 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 28345

Median Home Value
$95,700
Median Rent
$470
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$615/mo PITI).

15%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.0 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 28345 in Hamlet city, NC, a household would need roughly $26,000 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 $615. That sits below the local median household income ($38,472), 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

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.4%-6% vs US avg
x
Vacancy Rate
16.6%+62% vs US avg
x
Broadband Access
80.0%-8% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
23.1%-54% vs US avg
x
Mortgage-Free
51.8%+36% vs US avg
x
$95,700
Home Value
$470
Rent
1970
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached64.7%
  • 1-unit attached0.7%
  • 2-9 units8.8%
  • 10+ units2.8%
  • Mobile home & other23.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$95,700
Median rent$470
Owner-occupied61.4%
Vacant16.6%
Price-to-income2.5x
Est. income to buy$26,000