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Surf City town, NC

ZIP 28445 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28445

Median Home Value
$332,500
Median Rent
$987
Affordability Snapshot
$92,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,136/mo PITI).

13%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

28.1 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 28445 in Surf City town, NC, a household would need roughly $92,000 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 $2,136. That is roughly in line with the local median household income ($89,250). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 52% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.5%+22% vs US avg
x
Vacancy Rate
52.0%+405% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
5.5%-21% vs US avg
x
Rent Burden >30%
17.5%-65% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$332,500
Home Value
$987
Rent
2001
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached70.4%
  • 1-unit attached6.1%
  • 2-9 units4.6%
  • 10+ units3.6%
  • Mobile home & other15.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$332,500
Median rent$987
Owner-occupied79.5%
Vacant52.0%
Price-to-income3.7x
Est. income to buy$92,000