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Lumberton city, NC

ZIP 28360 — 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 28360

Median Home Value
$107,000
Median Rent
$495
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$687/mo PITI).

13%
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.

18.0 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 28360 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 $687. That sits below the local median household income ($46,560), 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
70.2%+7% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
76.0%-13% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
1.2%-90% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
55.8%+46% vs US avg
x
$107,000
Home Value
$495
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 detached43.6%
  • 1-unit attached2.4%
  • 2-9 units4.1%
  • 10+ units0.2%
  • Mobile home & other49.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$107,000
Median rent$495
Owner-occupied70.2%
Vacant9.6%
Price-to-income2.3x
Est. income to buy$29,000