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, NC

ZIP 28432 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28432

Median Home Value
$113,700
Median Rent
$705
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$730/mo PITI).

10%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.4 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 28432 in NC, a household would need roughly $31,000 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 $730. That sits below the local median household income ($83,984), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.2%+15% vs US avg
x
Vacancy Rate
20.0%+94% vs US avg
x
Broadband Access
74.0%-15% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.8%-46% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
25.0%-50% vs US avg
x
Mortgage-Free
79.7%+109% vs US avg
x
$113,700
Home Value
$705
Rent
1978
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached65.7%
  • 1-unit attached3.9%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other30.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$113,700
Median rent$705
Owner-occupied75.2%
Vacant20.0%
Price-to-income1.4x
Est. income to buy$31,000