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Lumberton city, NC

ZIP 28358 — 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 28358

Median Home Value
$106,200
Median Rent
$572
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$682/mo PITI).

15%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.5 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 28358 in Lumberton city, NC, a household would need roughly $29,000 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 $682. That sits below the local median household income ($46,756), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
56.9%-13% vs US avg
x
Vacancy Rate
14.9%+45% vs US avg
x
Broadband Access
79.0%-9% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
21.9%-56% vs US avg
x
Mortgage-Free
56.7%+49% vs US avg
x
$106,200
Home Value
$572
Rent
1982
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 detached53.8%
  • 1-unit attached3.6%
  • 2-9 units12.0%
  • 10+ units2.5%
  • Mobile home & other28.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$106,200
Median rent$572
Owner-occupied56.9%
Vacant14.9%
Price-to-income2.3x
Est. income to buy$29,000